BlastPoint's Credit Union Scorecard
NASSAU FINANCIAL
Charter #1404 · NY
NASSAU FINANCIAL has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 45.3% in tier
- + Wallet Share Momentum: Top 89.7% in tier
- + Average Member Relationship (AMR): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.1% in tier
- - Membership Headwinds: Bottom 51.0% in tier
- - Stagnation Risk: Bottom 82.6% in tier
- - ROA 0.74% below tier average
- - Efficiency ratio 22.05% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Net Worth Ratio: Bottom 0.4% in tier
- - Members Per Employee (MPE): Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,381
-2.6% YoY-1.2% QoQ
|
-1.1K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$334.3M
+0.8% YoY+0.8% QoQ
|
+$102.5M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$216.0M
+7.6% YoY-0.5% QoQ
|
+$68.7M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$318.4M
-0.3% YoY+0.4% QoQ
|
+$117.6M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
0.0%
-84.0% YoY-21.9% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.8% in tier |
| NIM |
3.4%
+5.1% YoY+0.5% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
99.1%
+2.0% YoY-0.2% QoQ
|
+22.0% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 2.3% in tier |
| Delinquency Rate |
0.5%
-40.1% YoY+4.8% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
67.9%
+8.0% YoY-0.9% QoQ
|
-4.4% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$37,162
+5.5% YoY+1.3% QoQ
|
+$12K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 7.3% in tier |
| CD Concentration |
24.8%
+13.6% YoY+6.4% QoQ
|
+0.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
3.2%
+16.4% YoY-5.4% QoQ
|
-10.6% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)