BlastPoint's Credit Union Scorecard
MAMTA
Charter #2800 · NY
MAMTA has 2 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency ratio 10.49% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Asset Growth Rate: Bottom 3.4% in tier
- - Deposit Growth Rate: Bottom 3.6% in tier
- - Net Interest Margin (NIM): Bottom 4.1% in tier
- - Loan-to-Share Ratio: Bottom 5.5% in tier
- - AMR Growth Rate: Bottom 6.8% in tier
- - Fee Income Per Member: Bottom 8.4% in tier
- - Net Charge-Off Rate: Bottom 8.9% in tier
- - Loan-to-Member Ratio (LMR): 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 |
877
-3.5% YoY-1.6% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$8.3M
-11.5% YoY+0.1% QoQ
|
$-21.8M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$1.5M
-9.5% YoY-8.9% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.3% in tier |
| Deposits |
$6.9M
-13.5% YoY+0.1% QoQ
|
$-18.8M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
-0.0%
-148.4% YoY-69.4% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
2.0%
+30.0% YoY+7.5% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.1% in tier |
| Efficiency Ratio |
93.0%
-3.6% YoY-0.1% QoQ
|
+10.5% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.0%
-99.2% YoY-56.5% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.8% in tier |
| Loan To Share |
21.3%
+4.7% YoY-9.0% QoQ
|
-39.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.4% in tier |
| AMR |
$9,497
-9.6% YoY+0.0% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
14.9%
-8.0% YoY-8.3% QoQ
|
-9.5% | 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)