BlastPoint's Credit Union Scorecard
VAN CORTLANDT COOPERATIVE
Charter #1125 · NY
VAN CORTLANDT COOPERATIVE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Member decline: -7.3% YoY
- - First Mortgage Concentration (%): Bottom 1.5% in tier
- - Member Growth Rate: Bottom 9.1% in tier
- - Loan-to-Share Ratio: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,967
-7.3% YoY-2.1% QoQ
|
-648 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$54.1M
-2.0% YoY-0.2% QoQ
|
+$24.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$13.8M
+2.7% YoY+7.4% QoQ
|
$-2.0M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$47.5M
-2.9% YoY-0.5% QoQ
|
+$21.8M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.6%
+44.6% YoY+18.9% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.0%
+20.8% YoY+5.0% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
78.3%
-8.8% YoY-1.8% QoQ
|
-4.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.9%
-29.8% YoY-24.5% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
29.0%
+5.7% YoY+7.9% QoQ
|
-31.6% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.5% in tier |
| AMR |
$31,168
+6.1% YoY+3.3% QoQ
|
+$16K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 3.6% in tier |
| CD Concentration |
4.1%
+76.7% YoY+29.8% QoQ
|
-20.3% | 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)