BlastPoint's Credit Union Scorecard
GRAND CENTRAL TERMINAL EMPLOYEES
Charter #1059 · NY
GRAND CENTRAL TERMINAL EMPLOYEES has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.03% below tier average
- - Efficiency ratio 25.13% above tier (higher cost structure)
- - Member decline: -3.4% YoY
- - Loan-to-Member Ratio (LMR): Bottom 5.7% in tier
- - Loan-to-Share Ratio: Bottom 5.8% in tier
- - Average Member Relationship (AMR): Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,482
-3.4% YoY-2.0% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
40% |
| Assets |
$6.9M
+0.2% YoY-5.3% QoQ
|
$-22.9M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
25% |
| Loans |
$1.4M
-9.3% YoY-0.4% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.9% in tier |
| Deposits |
$6.0M
+1.0% YoY-6.0% QoQ
|
$-19.4M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
-0.4%
-70.3% YoY+61.1% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.3% in tier |
| NIM |
4.1%
+5.1% YoY+3.9% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
106.5%
-15.2% YoY+3.4% QoQ
|
+25.1% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 7.5% in tier |
| Delinquency Rate |
0.7%
+34.9% YoY+52.7% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
52% |
| Loan To Share |
22.6%
-10.2% YoY+5.9% QoQ
|
-38.6% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.6% in tier |
| AMR |
$5,004
+2.4% YoY-3.0% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.4% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)