BlastPoint's Credit Union Scorecard
ROME
Charter #1810 · NY
ROME has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.65% above tier average
- - Member decline: -2.5% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,826
-2.5% YoY+0.6% QoQ
|
-789 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$31.6M
+7.1% YoY+0.9% QoQ
|
+$1.4M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$15.4M
-0.6% YoY-2.6% QoQ
|
$-358K |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$28.1M
+7.3% YoY+0.9% QoQ
|
+$2.4M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.7%
-22.2% YoY-16.1% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
3.7%
+0.9% YoY+0.5% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
75.4%
-0.5% YoY-1.4% QoQ
|
-7.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
3.2%
+27.6% YoY-8.9% QoQ
|
+1.7 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 11.9% in tier |
| Loan To Share |
54.9%
-7.4% YoY-3.4% QoQ
|
-5.7% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$23,801
+7.0% YoY-1.0% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 10.6% in tier |
| CD Concentration |
32.9%
+9.3% YoY+2.7% QoQ
|
+8.5% | 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)