BlastPoint's Credit Union Scorecard
ACCESS
Charter #5579 · NY
ACCESS demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 35.5% in tier
- + ROA 0.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.3% in tier
- + Asset Growth Rate: Top 4.7% in tier
- + Deposit Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,172
+0.2% YoY-0.5% QoQ
|
+7.7K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$307.0M
+13.8% YoY+1.9% QoQ
|
+$75.1M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$151.8M
+2.2% YoY-0.7% QoQ
|
+$4.5M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$276.0M
+13.6% YoY+1.7% QoQ
|
+$75.2M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.9%
+9.9% YoY-26.8% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
2.9%
+2.6% YoY-7.8% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.0% in tier |
| Efficiency Ratio |
76.1%
-1.6% YoY+9.0% QoQ
|
-0.9% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.3%
-50.0% YoY-32.7% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
15% |
| Loan To Share |
55.0%
-10.1% YoY-2.3% QoQ
|
-17.2% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
15% |
| AMR |
$18,463
+9.0% YoY+1.4% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
24.3%
+25.8% YoY+4.6% QoQ
|
-0.2% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)