BlastPoint's Credit Union Scorecard

ISLAND

Charter #10023 · NY

Mid-Market 1B-3B

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

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ISLAND has 2 strengths but faces 15 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 5.3% in tier
+ Average Member Relationship (AMR): Top 6.6% in tier

Key Concerns

Areas that may need attention

- Wealth Migration Risk: Bottom 10.9% in tier
- Shrinking Wallet Share: Bottom 13.2% in tier
- Accelerating Exit Risk: Bottom 20.5% in tier
- Institutional Decline: Bottom 22.5% in tier
- Efficiency Drag: Bottom 23.1% in tier
- Stagnation Risk: Bottom 25.1% in tier
- Membership Headwinds: Bottom 25.5% in tier
- ROA 0.54% below tier average
- Efficiency ratio 7.37% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 2.6% in tier
- Net Interest Margin (NIM): Bottom 3.0% in tier
- Asset Growth Rate: Bottom 3.3% in tier
- Loan Growth Rate: Bottom 5.3% in tier
- Total Members: Bottom 7.6% in tier
- Deposit Growth Rate: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	51,448 -1.3% YoY-0.5% QoQ	-47.2K	98,678 -1.9% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	Bottom 7.2% in tier
Assets	$1.4B -7.5% YoY-1.3% QoQ	$-309.5M	$1.7B +0.5% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	38%
Loans	$996.5M -6.5% YoY-2.4% QoQ	$-236.6M	$1.2B +0.5% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	38%
Deposits	$1.1B -1.8% YoY-0.6% QoQ	$-320.0M	$1.5B +1.3% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	36%

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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	0.2% -160.1% YoY+90.5% QoQ	-0.5%	0.7% +13.4% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	Bottom 7.2% in tier
NIM	2.0% +15.1% YoY+6.4% QoQ	-1.3%	3.3% +9.3% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	Bottom 2.6% in tier
Efficiency Ratio	81.3% -16.8% YoY-2.4% QoQ	+7.4%	74.0% -10.9% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	80%
Delinquency Rate	0.8% -10.3% YoY-11.4% QoQ	-0.1	0.8% +6.1% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	57%
Loan To Share	87.9% -4.7% YoY-1.8% QoQ	+2.7%	85.2% -0.8% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	49%
AMR	$41,416 -2.8% YoY-0.9% QoQ	+$12K	$29,172 +2.8% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	Top 6.9% in tier
CD Concentration	48.7% -0.8% YoY+3.0% QoQ	+19.7%	29.0% +0.7% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	Top 2.6% in tier
Indirect Auto %	4.2% -20.9% YoY-7.3% QoQ	-14.6%	18.8% -3.0% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	23%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Wealth Migration Risk

decline

#6 of 10 • Bottom 10.9% in tier

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

Why This Signature

Avg Member Relationship: $41.4K

(Tier: $29.2K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -2.77%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

10 of 380 Mid-Market CUs have this signature | 39 nationally

↓ Shrinking -11 CUs YoY

Shrinking Wallet Share

decline

#41 of 83 • Bottom 13.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.77%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#10 of 13 • Bottom 20.5% in tier

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

Why This Signature

Member Growth (YoY): -1.33%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -2.77%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

13 of 380 Mid-Market CUs have this signature | 73 nationally

↓ Shrinking -8 CUs YoY | New qualifier

Institutional Decline

decline

#24 of 31 • Bottom 22.5% in tier

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

Why This Signature

Total Assets: $1.41B

(Tier: $2.17B, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.33%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.47%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

31 of 380 Mid-Market CUs have this signature | 293 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Efficiency Drag

risk

#77 of 96 • Bottom 23.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.34%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.43% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -1.33%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank worsening

Stagnation Risk

risk

#61 of 85 • Bottom 25.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.33%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.47%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.77%

(Tier: 0.83%, National: 1.23%)

but better than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Membership Headwinds

decline

#62 of 85 • Bottom 25.5% in tier

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

Why This Signature

Member Growth (YoY): -1.33%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | 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 304 peers in tier

Top Strengths (3 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $19,369

Peer Avg: -

#17 of 304 Top 5.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $41,416

Peer Avg: -

#21 of 304 Top 6.6% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 4.16%

Peer Avg: -

#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (11 metrics)

297

Share Certificate Concentration (%)

balance_sheet

Value: 48.67%

Peer Avg: -

#297 of 304 Bottom 2.6% in 1B-3B tier

296

Net Interest Margin (NIM)

profitability

Value: 1.96%

Peer Avg: -

#296 of 304 Bottom 3.0% in 1B-3B tier

295

Asset Growth Rate

growth

Value: -7.50%

Peer Avg: -

#295 of 304 Bottom 3.3% in 1B-3B tier

289

Loan Growth Rate

growth

Value: -6.47%

Peer Avg: -

#289 of 304 Bottom 5.3% in 1B-3B tier

282

Return on Assets (ROA)

profitability

Value: 0.16%

Peer Avg: -

#282 of 304 Bottom 7.6% in 1B-3B tier

282

Total Members

engagement

Value: 51,448

Peer Avg: -

#282 of 304 Bottom 7.6% in 1B-3B tier

275

Deposit Growth Rate

growth

Value: -1.84%

Peer Avg: -

#275 of 304 Bottom 9.9% in 1B-3B tier

273

AMR Growth Rate

growth

Value: -2.77%

Peer Avg: -

#273 of 304 Bottom 10.5% in 1B-3B tier

246

Member Growth Rate

growth

Value: -1.33%

Peer Avg: -

#246 of 304 Bottom 19.4% in 1B-3B tier

243

Efficiency Ratio

profitability

Value: 81.34%

Peer Avg: -

#243 of 304 Bottom 20.4% in 1B-3B tier