BlastPoint's Credit Union Scorecard

COMMUNITY RESOURCE

Charter #770 · NY

1069 CUs in 100M-500M nationally 54 in NY

COMMUNITY RESOURCE has 6 strengths but faces 9 concerns

National Analysis

How does the industry compare?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 11.5% in tier
  • + Organic Growth Engine: Top 38.2% in tier
  • + Net Interest Margin 0.00% above tier average
  • + Strong member growth: 7.1% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Member Growth Rate: Top 5.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 16.9% in tier
  • - Shrinking Wallet Share: Bottom 36.2% in tier
  • - Credit Risk Growth: Bottom 49.5% in tier
  • - Efficiency Drag: Bottom 90.3% in tier
  • - ROA 0.39% below tier average
  • - Efficiency ratio 7.08% above tier (higher cost structure)
  • - Delinquency rate 0.07% above tier average
  • - Share Certificate Concentration (%): Bottom 3.7% in tier
  • - AMR Growth Rate: Bottom 6.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 7,279
+7.1% YoY+1.2% QoQ
 -8.2K 15,437
-2.9% YoY
 26,134
+5.1% YoY
 33,374
+5.7% YoY
 Bottom 12.7% in tier
Assets $119.1M
+4.3% YoY+4.0% QoQ
 $-112.8M $231.9M
+1.3% YoY
 $482.3M
+7.4% YoY
 $561.6M
+9.7% YoY
 Bottom 12.8% in tier
Loans $88.7M
+2.0% YoY-0.2% QoQ
 $-58.7M $147.3M
-0.1% YoY
 $324.6M
+7.8% YoY
 $397.0M
+8.8% YoY
 28%
Deposits $105.1M
+4.4% YoY+4.3% QoQ
 $-95.7M $200.8M
+0.8% YoY
 $411.3M
+7.7% YoY
 $477.3M
+9.7% YoY
 Bottom 14.4% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.4%
+10509.5% YoY+34.9% QoQ
 -0.4% 0.8%
+18.2% YoY
 0.7%
+147.7% YoY
 0.7%
+15.9% YoY
 23%
NIM 3.6%
+22.7% YoY+0.8% QoQ
 +0.0% 3.6%
+6.7% YoY
 3.6%
+4.1% YoY
 3.8%
+5.1% YoY
 50%
Efficiency Ratio 84.1%
-8.5% YoY+0.0% QoQ
 +7.1% 77.0%
-3.1% YoY
 80.7%
-3.4% YoY
 79.7%
-3.3% YoY
 75%
Delinquency Rate 1.0%
+111.9% YoY+64.9% QoQ
 +0.1 0.9%
+4.2% YoY
 1.6%
-19.7% YoY
 1.3%
-2.1% YoY
 66%
Loan To Share 84.4%
-2.3% YoY-4.3% QoQ
 +12.2% 72.2%
-1.1% YoY
 60.4%
-2.5% YoY
 67.4%
-1.7% YoY
 73%
AMR $26,621
-3.6% YoY+1.0% QoQ
 +$2K $24,676
+3.4% YoY
 $19,178
-21.9% YoY
 $19,687
+2.0% YoY
 70%
CD Concentration 44.1%
+1.9% YoY+1.3% QoQ
 +19.7% 24.4% 16.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 2.6% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#50 of 426 • Top 11.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 7.14%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth
#228 of 595 • Top 38.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.14%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.38%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (4)

Credit Quality Pressure

risk
#120 of 705 • Bottom 16.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.51% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#76 of 208 • Bottom 36.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -3.60%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | Rank improving

Credit Risk Growth

risk
#226 of 456 • Bottom 49.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.99%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 0.51% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Efficiency Drag

risk
#486 of 538 • Bottom 90.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 84.09%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.37% points
(Tier: 0.11% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): 7.14%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | Rank worsening

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)

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 1069 Top 0.0% in 100M-500M tier
59
Member Growth Rate
growth
Value: 7.14%
Peer Median: -
#59 of 1069 Top 5.4% in 100M-500M tier
249
Loan-to-Member Ratio (LMR)
engagement
Value: $12,183
Peer Median: -
#249 of 1069 Top 23.2% in 100M-500M tier

Top Weaknesses (8 metrics)

1030
Share Certificate Concentration (%)
balance_sheet
Value: 44.14%
Peer Median: -
#1030 of 1069 Bottom 3.7% in 100M-500M tier
1006
AMR Growth Rate
growth
Value: -3.60%
Peer Median: -
#1006 of 1069 Bottom 6.0% in 100M-500M tier
933
Total Members
engagement
Value: 7,279
Peer Median: -
#933 of 1069 Bottom 12.8% in 100M-500M tier
932
Total Assets
balance_sheet
Value: $119.11M
Peer Median: -
#932 of 1069 Bottom 12.9% in 100M-500M tier
915
Total Deposits
balance_sheet
Value: $105.09M
Peer Median: -
#915 of 1069 Bottom 14.5% in 100M-500M tier
884
Fee Income Per Member
profitability
Value: $106.08
Peer Median: -
#884 of 1069 Bottom 17.4% in 100M-500M tier
826
Members Per Employee (MPE)
engagement
Value: 259.964
Peer Median: -
#826 of 1069 Bottom 22.8% in 100M-500M tier
821
Return on Assets (ROA)
profitability
Value: 0.38%
Peer Median: -
#821 of 1069 Bottom 23.3% in 100M-500M tier
Link copied to clipboard!