BlastPoint's Credit Union Scorecard
STRATTON AIR NATIONAL GUARD
Charter #10773 ยท NY
2596 CUs in <100M nationally
188 in NY
STRATTON AIR NATIONAL GUARD has 10 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% 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 1.9% in tier
- + Net Worth Ratio: Top 2.7% in tier
- + Deposit Growth Rate: Top 3.8% in tier
- + Efficiency Ratio: Top 5.4% in tier
- + Asset Growth Rate: Top 7.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 1.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.8% in tier
- - Total Deposits: Bottom 4.7% in tier
- - Total Assets: Bottom 5.1% in tier
- - Total Loans: Bottom 7.0% in tier
- - Fee Income Per Member: Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
870
+0.5% YoY+0.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$920,831
+10.6% YoY-4.7% QoQ
|
$-28.9M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.0% in tier |
| Loans |
$455,247
+3.0% YoY-0.2% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.0% in tier |
| Deposits |
$569,905
+15.0% YoY-8.2% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.7% in tier |
| ROA |
1.8%
+54.3% YoY+13.8% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 13.6% in tier |
| NIM |
3.3%
-17.0% YoY+3.4% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
47.8%
-32.4% YoY-9.9% QoQ
|
-33.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
79.9%
-10.4% YoY+8.7% QoQ
|
+18.6% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$1,178
+8.8% YoY-4.9% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.5% in tier |
| CD Concentration |
17.6%
-14.0% YoY+9.7% QoQ
|
-6.8% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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 (12 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
50
Members Per Employee (MPE)
engagement
Value:
870.000
Peer Avg: 365.701
#50 of 2596
Top 1.9% in <100M tier
72
Net Worth Ratio
risk
Value:
38.01%
Peer Avg: 16.43%
#72 of 2596
Top 2.7% in <100M tier
99
Deposit Growth Rate
growth
Value:
14.97%
Peer Avg: 16.80%
#99 of 2596
Top 3.8% in <100M tier
140
Efficiency Ratio
profitability
Value:
47.77%
Peer Avg: 81.39%
#140 of 2596
Top 5.4% in <100M tier
194
Asset Growth Rate
growth
Value:
10.60%
Peer Avg: 1.82%
#194 of 2596
Top 7.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
304
AMR Growth Rate
growth
Value:
8.85%
Peer Avg: 4.67%
#304 of 2596
Top 11.7% in <100M tier
Top Weaknesses (6 metrics)
2556
Average Member Relationship (AMR)
engagement
Value:
$1,178
Peer Avg: $14,627
#2556 of 2596
Bottom 1.6% in <100M tier
2498
Loan-to-Member Ratio (LMR)
engagement
Value:
$523.27
Peer Avg: $5,488
#2498 of 2596
Bottom 3.8% in <100M tier
2475
Total Deposits
balance_sheet
Value:
$569,905
Peer Avg: $25.45M
#2475 of 2596
Bottom 4.7% in <100M tier
2465
Total Assets
balance_sheet
Value:
$920,831
Peer Avg: $29.86M
#2465 of 2596
Bottom 5.1% in <100M tier
2415
Total Loans
balance_sheet
Value:
$455,247
Peer Avg: $15.77M
#2415 of 2596
Bottom 7.0% in <100M tier
2377
Fee Income Per Member
profitability
Value:
$1.41
Peer Avg: $182.96
#2377 of 2596
Bottom 8.5% in <100M tier