BlastPoint's Credit Union Scorecard
DISTRICT #6
Charter #1080 · NY
DISTRICT #6 has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Member decline: -7.1% YoY
- - Net Worth Ratio: Bottom 5.3% in tier
- - Net Charge-Off Rate: Bottom 9.2% in tier
- - Member Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,701
-7.1% YoY+0.5% QoQ
|
-914 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$24.2M
+7.3% YoY+1.9% QoQ
|
$-6.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$9.1M
-10.9% YoY-1.9% QoQ
|
$-6.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$22.2M
+6.2% YoY+2.3% QoQ
|
$-3.5M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
0.4%
-31.1% YoY-56.7% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
2.6%
+0.7% YoY+2.0% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.6% in tier |
| Efficiency Ratio |
75.0%
-5.0% YoY-2.7% QoQ
|
-7.5% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.1%
+61.6% YoY-52.7% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
41.0%
-16.1% YoY-4.1% QoQ
|
-19.6% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$18,408
+8.3% YoY+0.5% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
26.9%
+27.6% YoY+4.0% QoQ
|
+2.4% | 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)