BlastPoint's Credit Union Scorecard
ATT-WYO CORRECTIONAL EMPLOYEES
Charter #884 · NY
ATT-WYO CORRECTIONAL EMPLOYEES has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.16% above tier average
- + Net Interest Margin 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.0% in tier
- + Efficiency Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.0% YoY
- - Loan Growth Rate: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,602
-5.0% YoY-1.5% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$16.0M
-0.2% YoY-2.5% QoQ
|
$-14.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$4.1M
-17.3% YoY-1.4% QoQ
|
$-11.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$13.0M
-2.5% YoY-3.1% QoQ
|
$-12.7M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
1.8%
+25.7% YoY-17.2% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 10.3% in tier |
| NIM |
4.0%
+12.1% YoY-4.4% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
51.4%
-15.9% YoY+18.8% QoQ
|
-31.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
0.3%
-58.7% YoY+107.2% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
31.6%
-15.2% YoY+1.8% QoQ
|
-29.1% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.3% in tier |
| AMR |
$10,671
-1.6% YoY-1.2% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
1.1%
-50.7% YoY+3.4% QoQ
|
-23.4% | 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)