BlastPoint's Credit Union Scorecard
ISLAND
Charter #10023 · NY
ISLAND has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 6.7% in tier
- + Average Member Relationship (AMR): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19.1% in tier
- - Capital Constraint: Bottom 54.4% in tier
- - Institutional Decline: Bottom 73.3% in tier
- - Stagnation Risk: Bottom 92.2% in tier
- - Membership Headwinds: Bottom 92.2% in tier
- - Accelerating Exit Risk: Bottom 92.2% in tier
- - Shrinking Wallet Share: Bottom 92.7% in tier
- - ROA 0.22% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 12 that size in New York.
- Shares and deposits -5.5% year over year ($1.08B in shares and deposits).
- Membership: 50,004 members, -3.3% vs a year ago.
- Delinquency rate 1.10%.
- Return on assets 0.60%.
- Efficiency ratio 72.00% vs a 73.02% peer average.
- Loan-to-share ratio 87.28% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,004
-3.3% YoY-1.2% QoQ
|
-46.9K |
96,861
-1.9% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 6.3% in tier |
| Assets |
$1.3B
-6.5% YoY-1.1% QoQ
|
$-388.8M |
$1.7B
+0.4% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$941.0M
-7.8% YoY-0.8% QoQ
|
$-293.3M |
$1.2B
+0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$1.1B
-5.5% YoY-1.9% QoQ
|
$-385.3M |
$1.5B
+0.5% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
0.6%
+610.9% YoY+19.0% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
33% |
| NIM |
2.4%
+29.4% YoY+3.6% QoQ
|
-1.0% |
3.4%
+6.6% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 4.7% in tier |
| Efficiency Ratio |
72.0%
-13.6% YoY-2.7% QoQ
|
-1.0% |
73.0%
-2.7% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
1.1%
+26.2% YoY+39.0% QoQ
|
+0.2 |
0.9%
+7.3% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
87.3%
-2.4% YoY+1.2% QoQ
|
+2.6% |
84.7%
+0.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
50% |
| AMR |
$40,378
-3.4% YoY-0.2% QoQ
|
+$11K |
$29,575
+1.5% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 9.3% in tier |
| CD Concentration |
44.0%
-6.8% YoY-0.5% QoQ
|
+14.9% | 29.1% | 16.4% | 20.0% | Top 6.7% in tier |
| Indirect Auto % |
7.8%
+73.0% YoY-15.7% QoQ
|
-10.3% | 18.1% | 2.7% | 7.7% | 32% |
Signature Analysis
Strengths (0)
Concerns (7)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)