BlastPoint's Credit Union Scorecard
EMPIRT 207
Charter #1343 · NY
EMPIRT 207 has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.89% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 6.3% in tier
- + Loan Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 0.81% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
801
+2.4% YoY+0.6% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$3.6M
+2.6% YoY-1.7% QoQ
|
$-26.5M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.7% in tier |
| Loans |
$2.1M
+13.9% YoY+4.8% QoQ
|
$-13.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$2.5M
+2.5% YoY-2.9% QoQ
|
$-23.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.7% in tier |
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| ROA |
0.3%
-132.7% YoY+39.7% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
5.8%
+9.3% YoY-0.0% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 4.7% in tier |
| Efficiency Ratio |
83.4%
-28.0% YoY-0.0% QoQ
|
+0.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.7%
-73.5% YoY-27.8% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
83.9%
+11.1% YoY+7.9% QoQ
|
+23.3% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$5,746
+4.8% YoY-0.2% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
1.0%
-10.8% QoQ
|
-12.8% | 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)