BlastPoint's Credit Union Scorecard
STRATTON AIR NATIONAL GUARD
Charter #10773 · NY
2556 CUs in <100M nationally
183 in NY
STRATTON AIR NATIONAL GUARD has 10 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.16% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.0% in tier
- + Efficiency Ratio: Top 3.1% in tier
- + Net Worth Ratio: Top 3.4% in tier
- + Deposit Growth Rate: Top 5.3% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Asset Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 1.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.4% in tier
- - Total Deposits: Bottom 4.7% in tier
- - Total Assets: Bottom 5.2% in tier
- - Total Loans: Bottom 6.5% in tier
- - Fee Income Per Member: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
870
+0.1% YoY0% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$975,243
+10.0% YoY+5.9% QoQ
|
$-29.2M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.2% in tier |
| Loans |
$421,554
-3.1% YoY-7.4% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.5% in tier |
| Deposits |
$619,644
+13.2% YoY+8.7% QoQ
|
$-25.1M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.6% in tier |
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| ROA |
1.8%
+72.7% YoY+1.2% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 10.3% in tier |
| NIM |
3.2%
-14.7% YoY-1.2% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
46.5%
-35.5% YoY-2.7% QoQ
|
-36.1% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.1% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
68.0%
-14.4% YoY-14.8% QoQ
|
+7.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$1,197
+5.8% YoY+1.6% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.4% in tier |
| CD Concentration |
24.4%
+30.9% YoY+38.2% QoQ
|
-0.0% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
52
Members Per Employee (MPE)
engagement
Value:
870.000
Peer Median: -
#52 of 2556
Top 2.0% in <100M tier
80
Efficiency Ratio
profitability
Value:
46.50%
Peer Median: -
#80 of 2556
Top 3.1% in <100M tier
88
Net Worth Ratio
risk
Value:
36.34%
Peer Median: -
#88 of 2556
Top 3.4% in <100M tier
136
Deposit Growth Rate
growth
Value:
13.18%
Peer Median: -
#136 of 2556
Top 5.3% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
225
Asset Growth Rate
growth
Value:
10.01%
Peer Median: -
#225 of 2556
Top 8.8% in <100M tier
264
Return on Assets (ROA)
profitability
Value:
1.78%
Peer Median: -
#264 of 2556
Top 10.3% in <100M tier
Top Weaknesses (8 metrics)
2521
Average Member Relationship (AMR)
engagement
Value:
$1,197
Peer Median: -
#2521 of 2556
Bottom 1.4% in <100M tier
2471
Loan-to-Member Ratio (LMR)
engagement
Value:
$484.54
Peer Median: -
#2471 of 2556
Bottom 3.4% in <100M tier
2438
Total Deposits
balance_sheet
Value:
$619,644
Peer Median: -
#2438 of 2556
Bottom 4.7% in <100M tier
2424
Total Assets
balance_sheet
Value:
$975,243
Peer Median: -
#2424 of 2556
Bottom 5.2% in <100M tier
2390
Total Loans
balance_sheet
Value:
$421,554
Peer Median: -
#2390 of 2556
Bottom 6.5% in <100M tier
2362
Fee Income Per Member
profitability
Value:
$1.34
Peer Median: -
#2362 of 2556
Bottom 7.6% in <100M tier
1919
Total Members
engagement
Value:
870
Peer Median: -
#1919 of 2556
Bottom 25.0% in <100M tier
1918
Net Interest Margin (NIM)
profitability
Value:
3.22%
Peer Median: -
#1918 of 2556
Bottom 25.0% in <100M tier