BlastPoint's Credit Union Scorecard
ADIRONDACK REGIONAL
Charter #5546 · NY
ADIRONDACK REGIONAL has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 3.1% in tier
- + Total Assets: Top 4.9% in tier
- + Total Members: Top 5.4% in tier
- + Total Loans: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,031
-1.1% YoY+0.1% QoQ
|
+4.4K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 5.5% in tier |
| Assets |
$87.3M
+5.3% YoY+2.6% QoQ
|
+$57.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 4.9% in tier |
| Loans |
$48.5M
-8.2% YoY-1.5% QoQ
|
+$32.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 6.4% in tier |
| Deposits |
$79.1M
+6.6% YoY+2.6% QoQ
|
+$53.5M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 3.1% in tier |
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| ROA |
1.1%
+66.4% YoY-4.7% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
3.7%
+6.8% YoY-0.8% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
76.9%
+1.7% YoY+1.3% QoQ
|
-5.6% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
1.1%
-41.0% YoY+104.2% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
61.2%
-13.9% YoY-4.0% QoQ
|
+0.6% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$18,148
+1.6% YoY+0.9% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration |
12.4%
+20.8% YoY-4.0% QoQ
|
-12.0% | 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)