BlastPoint's Credit Union Scorecard
SARATOGA'S COMMUNITY
Charter #5252 · NY
SARATOGA'S COMMUNITY has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Net Interest Margin 0.10% above tier average
- + Fee Income Per Member: Top 4.3% in tier
- + Total Loans: Top 5.3% in tier
- + Loan-to-Share Ratio: Top 8.0% in tier
- + Member Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 4.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,437
+3.5% YoY-0.1% QoQ
|
+2.8K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 11.5% in tier |
| Assets |
$59.2M
+3.4% YoY+1.1% QoQ
|
+$29.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$50.5M
+1.1% YoY-1.1% QoQ
|
+$34.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 5.4% in tier |
| Deposits |
$54.5M
+2.4% YoY+0.9% QoQ
|
+$28.9M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
1.0%
+234.6% YoY-15.0% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
4.1%
+3.2% YoY+3.3% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
79.9%
-12.7% YoY+3.2% QoQ
|
-2.7% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.9%
+208.6% YoY+37.6% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
92.5%
-1.3% YoY-2.0% QoQ
|
+31.9% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 8.1% in tier |
| AMR |
$19,315
-1.6% YoY-0.0% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
7.0%
+268.3% YoY-11.6% QoQ
|
-17.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-91.2% YoY-33.8% QoQ
|
-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)