BlastPoint's Credit Union Scorecard
PALISADES
Charter #4480 · NY
PALISADES has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 48.7% in tier
- + Net Interest Margin 0.13% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 43.4% in tier
- - Credit Quality Pressure: Bottom 64.6% in tier
- - Credit Risk Growth: Bottom 85.5% in tier
- - ROA 1.22% below tier average
- - Efficiency ratio 16.27% above tier (higher cost structure)
- - Delinquency rate 0.06% above tier average
- - Fee Income Per Member: Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,727
+2.6% YoY+0.3% QoQ
|
-1.7K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$204.8M
+0.3% YoY+1.9% QoQ
|
$-27.1M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$161.6M
+2.1% YoY+1.7% QoQ
|
+$14.3M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$181.6M
+2.2% YoY+1.6% QoQ
|
$-19.2M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
-0.5%
-280.6% YoY+93.1% QoQ
|
-1.2% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.6% in tier |
| NIM |
3.7%
+5.1% YoY+0.9% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
93.3%
+9.6% YoY-0.9% QoQ
|
+16.3% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 5.2% in tier |
| Delinquency Rate |
1.0%
+15.4% YoY-9.5% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
89.0%
-0.1% YoY+0.1% QoQ
|
+16.8% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$25,004
-0.4% YoY+1.4% QoQ
|
+$328 |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
30.3%
-2.3% YoY-0.2% QoQ
|
+5.9% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
12.5%
+0.8% YoY-1.4% QoQ
|
-1.3% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)