BlastPoint's Credit Union Scorecard
KENMORE N. Y. TEACHERS
Charter #858 · NY
KENMORE N. Y. TEACHERS has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Net Interest Margin (NIM): Bottom 6.7% in tier
- - First Mortgage Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,786
-1.3% YoY-0.4% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$65.3M
+6.1% YoY+0.5% QoQ
|
+$35.2M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 14.6% in tier |
| Loans |
$26.2M
-5.1% YoY-1.2% QoQ
|
+$10.4M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$59.5M
+6.0% YoY+0.6% QoQ
|
+$33.8M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 12.8% in tier |
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| ROA |
0.6%
-11.8% YoY+11.0% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
2.4%
-4.6% YoY+3.3% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.7% in tier |
| Efficiency Ratio |
76.4%
+10.5% YoY-1.8% QoQ
|
-6.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
1.0%
-23.8% YoY-0.3% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
44.0%
-10.5% YoY-1.8% QoQ
|
-16.6% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$22,639
+3.7% YoY+0.5% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 12.8% in tier |
| CD Concentration |
18.0%
+29.1% YoY+0.1% QoQ
|
-6.4% | 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)