BlastPoint's Credit Union Scorecard

ISLAND

Charter #10023 · NY

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 13 in NY

View Mid-Market leaderboard →

ISLAND has 2 strengths but faces 16 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Loan-to-Member Ratio (LMR): Top 6.0% in tier
+ Average Member Relationship (AMR): Top 7.6% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 28.6% in tier
- Shrinking Wallet Share: Bottom 41.0% in tier
- Wealth Migration Risk: Bottom 41.7% in tier
- Accelerating Exit Risk: Bottom 44.4% in tier
- Institutional Decline: Bottom 55.2% in tier
- Membership Headwinds: Bottom 59.5% in tier
- Capital Constraint: Bottom 100.0% in tier
- ROA 0.43% below tier average
- Efficiency ratio 5.47% above tier (higher cost structure)
- Asset Growth Rate: Bottom 2.0% in tier
- Share Certificate Concentration (%): Bottom 3.0% in tier
- Net Interest Margin (NIM): Bottom 3.3% in tier
- Loan Growth Rate: Bottom 3.6% in tier
- Deposit Growth Rate: Bottom 5.3% in tier
- Total Members: Bottom 6.6% in tier
- AMR Growth Rate: Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	50,695 -1.8% YoY-1.5% QoQ	-46.7K	97,431 -2.4% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	Bottom 6.3% in tier
Assets	$1.4B -8.1% YoY-1.6% QoQ	$-335.7M	$1.7B +0.9% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	35%
Loans	$974.2M -7.5% YoY-2.2% QoQ	$-260.2M	$1.2B +0.5% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	34%
Deposits	$1.1B -3.3% YoY-1.2% QoQ	$-338.6M	$1.5B +0.9% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	32%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -203.2% YoY+57.8% QoQ	-0.4%	0.7% +20.9% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	Bottom 12.3% in tier
NIM	2.0% +19.0% YoY+3.1% QoQ	-1.3%	3.3% +9.2% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	Bottom 3.0% in tier
Efficiency Ratio	79.5% -17.6% YoY-2.2% QoQ	+5.5%	74.1% -9.5% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	73%
Delinquency Rate	0.9% -12.4% YoY+11.5% QoQ	-0.0	0.9% +6.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	60%
Loan To Share	86.9% -4.3% YoY-1.1% QoQ	+2.1%	84.8% -0.8% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	50%
AMR	$41,325 -3.6% YoY-0.2% QoQ	+$12K	$29,428 +2.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	Top 7.9% in tier
CD Concentration	48.4% -0.9% YoY-0.6% QoQ	+19.3%	29.0%	16.3%	19.8%	Top 3.2% in tier
Indirect Auto %	10.1% +100.9% YoY+142.9% QoQ	-8.2%	18.3%	2.6%	7.8%	36%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#25 of 85 • Bottom 28.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.77%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -7.48%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.86%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Shrinking Wallet Share

decline

#33 of 79 • Bottom 41.0% 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: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Wealth Migration Risk

decline

#6 of 13 • Bottom 41.7% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $41.3K

(Tier: $29.5K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -3.60%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

13 of 378 Mid-Market CUs have this signature | 34 nationally

→ No prior data (13 CUs now) | New qualifier

Accelerating Exit Risk

decline

#5 of 10 • Bottom 44.4% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.77%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -3.60%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

10 of 378 Mid-Market CUs have this signature | 69 nationally

→ No prior data (10 CUs now) | New qualifier

Institutional Decline

decline

#17 of 30 • Bottom 55.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.39B

(Tier: $2.17B, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.77%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -7.48%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

30 of 378 Mid-Market CUs have this signature | 277 nationally

→ No prior data (30 CUs now) | New qualifier

Membership Headwinds

decline

#51 of 85 • Bottom 59.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.77%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Capital Constraint

risk

#7 of 7 • Bottom 100.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 86.93%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -3.34%

(Tier: 6.71%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 9.72%

(Tier: 11.27%, National: 14.49%)

worse than tier avg

7 of 378 Mid-Market CUs have this signature | 32 nationally

→ No prior data (7 CUs now) | New qualifier

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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (2 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $19,218

Peer Median: -

#19 of 302 Top 6.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $41,325

Peer Median: -

#24 of 302 Top 7.6% in 1B-3B tier

Top Weaknesses (10 metrics)

297

Asset Growth Rate

growth

Value: -8.08%

Peer Median: -

#297 of 302 Bottom 2.0% in 1B-3B tier

294

Share Certificate Concentration (%)

balance_sheet

Value: 48.37%

Peer Median: -

#294 of 302 Bottom 3.0% in 1B-3B tier

293

Net Interest Margin (NIM)

profitability

Value: 2.02%

Peer Median: -

#293 of 302 Bottom 3.3% in 1B-3B tier

292

Loan Growth Rate

growth

Value: -7.48%

Peer Median: -

#292 of 302 Bottom 3.6% in 1B-3B tier

287

Deposit Growth Rate

growth

Value: -3.34%

Peer Median: -

#287 of 302 Bottom 5.3% in 1B-3B tier

283

Total Members

engagement

Value: 50,695

Peer Median: -

#283 of 302 Bottom 6.6% in 1B-3B tier

277

AMR Growth Rate

growth

Value: -3.60%

Peer Median: -

#277 of 302 Bottom 8.6% in 1B-3B tier

265

Return on Assets (ROA)

profitability

Value: 0.25%

Peer Median: -

#265 of 302 Bottom 12.6% in 1B-3B tier

254

Member Growth Rate

growth

Value: -1.77%

Peer Median: -

#254 of 302 Bottom 16.2% in 1B-3B tier

228

Net Worth Ratio

risk

Value: 9.72%

Peer Median: -

#228 of 302 Bottom 24.8% in 1B-3B tier