BlastPoint's Credit Union Scorecard
ISLAND
Charter #10023 · NY
ISLAND has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 6.9% in tier
- + Average Member Relationship (AMR): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 10.4% in tier
- - Credit Quality Pressure: Bottom 38.7% in tier
- - Capital Constraint: Bottom 51.2% in tier
- - Institutional Decline: Bottom 72.1% in tier
- - Stagnation Risk: Bottom 85.5% in tier
- - Accelerating Exit Risk: Bottom 85.5% in tier
- - Membership Headwinds: Bottom 85.5% in tier
- - Shrinking Wallet Share: Bottom 95.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,620
-2.0% YoY-0.1% QoQ
|
-45.4K |
96,048
-2.7% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 6.9% in tier |
| Assets |
$1.4B
-8.5% YoY-2.7% QoQ
|
$-369.3M |
$1.7B
+0.4% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
35% |
| Loans |
$948.2M
-8.1% YoY-2.7% QoQ
|
$-265.6M |
$1.2B
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
33% |
| Deposits |
$1.1B
-6.0% YoY-1.9% QoQ
|
$-366.2M |
$1.5B
+0.5% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
29% |
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| ROA |
0.5%
-1023.8% YoY+98.7% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
2.3%
+33.7% YoY+13.9% QoQ
|
-1.0% |
3.4%
+6.2% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.6% in tier |
| Efficiency Ratio |
74.0%
-15.8% YoY-6.9% QoQ
|
-0.6% |
74.6%
-3.0% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate |
0.8%
+9.9% YoY-8.1% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
86.3%
-2.2% YoY-0.8% QoQ
|
+3.1% |
83.2%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$40,448
-5.2% YoY-2.1% QoQ
|
+$11K |
$29,652
+2.3% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 9.8% in tier |
| CD Concentration |
44.2%
-7.7% YoY-8.5% QoQ
|
+15.4% | 28.8% | 16.4% | 19.8% | Top 6.0% in tier |
| Indirect Auto % |
9.2%
+94.6% YoY-8.8% QoQ
|
-8.9% | 18.1% | 2.6% | 7.7% | 37% |
Signature Analysis
Strengths (0)
Concerns (8)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)