BlastPoint's Credit Union Scorecard
EMPIRE ONE
Charter #613 · NY
EMPIRE ONE has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 3.8% in tier
- + Total Deposits: Top 7.8% in tier
- + Total Assets: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency ratio 4.68% above tier (higher cost structure)
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,985
-2.6% YoY-1.5% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 14.0% in tier |
| Assets |
$77.4M
+0.7% YoY-0.5% QoQ
|
+$47.2M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 8.8% in tier |
| Loans |
$31.2M
+1.3% YoY-3.1% QoQ
|
+$15.4M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$68.1M
-0.6% YoY-1.4% QoQ
|
+$42.4M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 7.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
+304.8% YoY-53.5% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
3.0%
+4.7% YoY+4.0% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
87.2%
-9.3% YoY+12.6% QoQ
|
+4.7% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.6%
+45.2% YoY+5.4% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
45.8%
+1.9% YoY-1.7% QoQ
|
-14.8% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$19,905
+2.6% YoY-0.4% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
0.5%
-6.0% YoY+10.7% QoQ
|
-24.0% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-67.6% YoY-16.3% QoQ
|
-13.7% | 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)