BlastPoint's Credit Union Scorecard
UPSTATE TELCO
Charter #10746 · NY
UPSTATE TELCO has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.79% above tier average
- + Net Interest Margin 0.42% above tier average
- + Strong member growth: 24.2% YoY
- + Member Growth Rate: Top 1.3% in tier
- + Net Charge-Off Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 7.51% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
518
+24.2% YoY-1.1% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 14.0% in tier |
| Assets |
$4.3M
-0.6% YoY+2.5% QoQ
|
$-25.9M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$1.1M
-2.2% YoY+7.2% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.8% in tier |
| Deposits |
$3.5M
-1.5% YoY+2.7% QoQ
|
$-22.2M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
0.9%
-77.0% YoY-38.8% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
4.4%
-11.1% YoY-9.6% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
98.1%
+14.8% YoY+2.5% QoQ
|
+7.5% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
0.2%
-78.5% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
27% |
| Loan To Share |
29.9%
-0.7% YoY+4.4% QoQ
|
-28.6% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.4% in tier |
| AMR |
$8,892
-20.8% YoY+4.9% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)