BlastPoint's Credit Union Scorecard
WHITE PLAINS P O EMPLOYEES
Charter #3110 · NY
2556 CUs in <100M nationally
183 in NY
WHITE PLAINS P O EMPLOYEES has 5 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 2.79% below tier average
- - Efficiency ratio 84.47% above tier (higher cost structure)
- - Member decline: -8.0% YoY
- - Total Members: Bottom 0.9% in tier
- - Loan-to-Share Ratio: Bottom 1.8% in tier
- - Total Loans: Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.2% in tier
- - Total Assets: Bottom 4.6% in tier
- - Total Deposits: Bottom 4.7% in tier
- - Members Per Employee (MPE): Bottom 5.5% in tier
- - Fee Income Per Member: Bottom 5.9% in tier
- - Member Growth Rate: Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
92
-8.0% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 0.9% in tier |
| Assets |
$852,581
-2.1% YoY-0.1% QoQ
|
$-29.3M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.5% in tier |
| Loans |
$57,671
+1.3% YoY+11.1% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.2% in tier |
| Deposits |
$627,095
-0.2% YoY+1.3% QoQ
|
$-25.1M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.7% in tier |
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| ROA |
-2.2%
+18.5% YoY+70.1% QoQ
|
-2.8% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.9% in tier |
| NIM |
3.2%
+2.3% YoY+4.8% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
167.0%
+5.7% YoY+18.2% QoQ
|
+84.5% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 1.5% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
9.2%
+1.5% YoY+9.7% QoQ
|
-51.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.7% in tier |
| AMR |
$7,443
+8.6% YoY+2.1% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
259
Net Worth Ratio
risk
Value:
25.72%
Peer Median: -
#259 of 2556
Top 10.1% in <100M tier
320
AMR Growth Rate
growth
Value:
8.59%
Peer Median: -
#320 of 2556
Top 12.5% in <100M tier
Top Weaknesses (12 metrics)
2533
Total Members
engagement
Value:
92
Peer Median: -
#2533 of 2556
Bottom 0.9% in <100M tier
2518
Efficiency Ratio
profitability
Value:
167.03%
Peer Median: -
#2518 of 2556
Bottom 1.5% in <100M tier
2510
Loan-to-Share Ratio
balance_sheet
Value:
9.20%
Peer Median: -
#2510 of 2556
Bottom 1.8% in <100M tier
2500
Total Loans
balance_sheet
Value:
$57,671
Peer Median: -
#2500 of 2556
Bottom 2.2% in <100M tier
2481
Return on Assets (ROA)
profitability
Value:
-2.17%
Peer Median: -
#2481 of 2556
Bottom 3.0% in <100M tier
2449
Loan-to-Member Ratio (LMR)
engagement
Value:
$626.86
Peer Median: -
#2449 of 2556
Bottom 4.2% in <100M tier
2440
Total Assets
balance_sheet
Value:
$852,581
Peer Median: -
#2440 of 2556
Bottom 4.6% in <100M tier
2437
Total Deposits
balance_sheet
Value:
$627,095
Peer Median: -
#2437 of 2556
Bottom 4.7% in <100M tier
2416
Members Per Employee (MPE)
engagement
Value:
92.000
Peer Median: -
#2416 of 2556
Bottom 5.5% in <100M tier
2405
Fee Income Per Member
profitability
Value:
$0.60
Peer Median: -
#2405 of 2556
Bottom 5.9% in <100M tier