BlastPoint's Credit Union Scorecard
UPSTATE TELCO
Charter #10746 · NY
UPSTATE TELCO has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.90% above tier average
- + Net Interest Margin 0.94% above tier average
- + Strong member growth: 21.0% YoY
- + Member Growth Rate: Top 1.6% in tier
- + Net Charge-Off Rate: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 13.15% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.6% in tier
- - Loan-to-Share Ratio: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
524
+21.0% YoY-0.6% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 14.2% in tier |
| Assets |
$4.2M
-1.4% YoY-1.1% QoQ
|
$-26.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$988,120
-10.4% YoY-7.1% QoQ
|
$-14.8M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.1% in tier |
| Deposits |
$3.5M
-3.3% YoY-0.7% QoQ
|
$-22.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
1.5%
-193.9% YoY-27.3% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
4.9%
-10.5% YoY-0.7% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
95.7%
+25.1% YoY+0.9% QoQ
|
+13.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.8%
-70.6% YoY+81.2% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
28.6%
-7.4% YoY-6.4% QoQ
|
-32.0% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.1% in tier |
| AMR |
$8,479
-21.5% YoY-1.7% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)