BlastPoint's Credit Union Scorecard
STRATTON AIR NATIONAL GUARD
Charter #10773 · NY
<100M
2508 CUs in <100M nationally
179 in NY
STRATTON AIR NATIONAL GUARD has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.44% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Members Per Employee (MPE): Top 2.0% in tier
- + Net Worth Ratio: Top 2.6% in tier
- + Efficiency Ratio: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 1.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- - Total Deposits: Bottom 4.3% in tier
- - Total Assets: Bottom 4.9% in tier
- - Total Loans: Bottom 7.0% in tier
- - Fee Income Per Member: Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
870
+0.1% YoY0% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$930,364
-0.2% YoY-4.6% QoQ
|
$-29.3M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.9% in tier |
| Loans |
$428,210
+4.8% YoY+1.6% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.9% in tier |
| Deposits |
$570,699
-3.1% YoY-7.9% QoQ
|
$-25.2M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.3% in tier |
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| ROA |
1.6%
-0.6% YoY-10.7% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 13.2% in tier |
| NIM |
3.0%
-8.0% YoY-7.7% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
48.5%
-7.2% YoY+4.3% QoQ
|
-42.1% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 4.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
75.0%
+8.2% YoY+10.3% QoQ
|
+16.5% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
75% |
| AMR |
$1,148
-0.0% YoY-4.1% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.4% in tier |
| CD Concentration |
22.1%
+27.0% YoY-9.4% QoQ
|
-2.2% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
52
Members Per Employee (MPE)
engagement
Value:
870.000
Peer Median: 333.750
#52 of 2508
Top 2.0% in <100M tier
65
Net Worth Ratio
risk
Value:
38.49%
Peer Median: 14.28%
#65 of 2508
Top 2.6% in <100M tier
103
Efficiency Ratio
profitability
Value:
48.51%
Peer Median: 81.45%
#103 of 2508
Top 4.1% in <100M tier
330
Return on Assets (ROA)
profitability
Value:
1.59%
Peer Median: 0.61%
#330 of 2508
Top 13.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
531
Loan Growth Rate
growth
Value:
4.77%
Peer Median: -2.36%
#531 of 2508
Top 21.1% in <100M tier
Top Weaknesses (7 metrics)
2474
Average Member Relationship (AMR)
engagement
Value:
$1,148
Peer Median: $13,926
#2474 of 2508
Bottom 1.4% in <100M tier
2418
Loan-to-Member Ratio (LMR)
engagement
Value:
$492.20
Peer Median: $4,923
#2418 of 2508
Bottom 3.6% in <100M tier
2400
Total Deposits
balance_sheet
Value:
$570,699
Peer Median: $18.77M
#2400 of 2508
Bottom 4.3% in <100M tier
2385
Total Assets
balance_sheet
Value:
$930,364
Peer Median: $21.86M
#2385 of 2508
Bottom 4.9% in <100M tier
2334
Total Loans
balance_sheet
Value:
$428,210
Peer Median: $9.48M
#2334 of 2508
Bottom 7.0% in <100M tier
2299
Fee Income Per Member
profitability
Value:
$1.19
Peer Median: $60.42
#2299 of 2508
Bottom 8.4% in <100M tier
2060
Net Interest Margin (NIM)
profitability
Value:
2.97%
Peer Median: 3.83%
#2060 of 2508
Bottom 17.9% in <100M tier