BlastPoint's Credit Union Scorecard
GRAND CENTRAL TERMINAL EMPLOYEES
Charter #1059 · NY
GRAND CENTRAL TERMINAL EMPLOYEES has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.40% below tier average
- - Efficiency ratio 31.51% above tier (higher cost structure)
- - Member decline: -6.0% YoY
- - Loan-to-Share Ratio: Bottom 5.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.2% in tier
- - Average Member Relationship (AMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,426
-6.0% YoY-3.8% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$6.9M
-1.5% YoY-0.4% QoQ
|
$-23.3M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$1.3M
-14.8% YoY-8.4% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.9% in tier |
| Deposits |
$6.1M
-0.8% YoY+0.1% QoQ
|
$-19.6M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
-0.8%
-41.5% YoY+123.2% QoQ
|
-1.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.8% in tier |
| NIM |
4.2%
+7.2% YoY+4.0% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
114.1%
-11.4% YoY+7.1% QoQ
|
+31.5% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 5.2% in tier |
| Delinquency Rate |
0.7%
+28.9% YoY+3.7% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
20.7%
-14.1% YoY-8.5% QoQ
|
-39.9% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.0% in tier |
| AMR |
$5,126
+2.7% YoY+2.4% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)