BlastPoint's Credit Union Scorecard

DISTRICT #6

Charter #1080 · NY

<100M

2508 CUs in <100M nationally 179 in NY

DISTRICT #6 faces 5 concerns requiring attention

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 2.25% below tier average
- Efficiency ratio 50.31% above tier (higher cost structure)
- Member decline: -6.7% YoY
- Net Interest Margin (NIM): Bottom 0.5% in tier
- Net Worth Ratio: Bottom 4.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	1,707 -6.7% YoY+0.4% QoQ	-969	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	45%
Assets	$24.7M +5.4% YoY+2.1% QoQ	$-5.5M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	53%
Loans	$9.2M -7.5% YoY+0.8% QoQ	$-6.1M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	49%
Deposits	$22.7M +5.3% YoY+2.5% QoQ	$-3.0M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	56%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-2.1% -327.6% YoY-700.9% QoQ	-2.3%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Bottom 4.5% in tier
NIM	0.4% -84.1% YoY-85.2% QoQ	-3.6%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Bottom 0.5% in tier
Efficiency Ratio	140.9% +87.2% YoY+87.9% QoQ	+50.3%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Bottom 3.5% in tier
Delinquency Rate	0.8% -3.4% YoY-27.7% QoQ	-0.7	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	57%
Loan To Share	40.3% -12.2% YoY-1.7% QoQ	-18.2%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	22%
AMR	$18,702 +8.5% YoY+1.6% QoQ	+$4K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	72%
CD Concentration	27.3% +22.8% YoY+1.5% QoQ	+3.0%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

325

AMR Growth Rate

growth

Value: 8.52%

Peer Median: 1.27%

#325 of 2508 Top 12.9% in <100M tier

552

Asset Growth Rate

growth

Value: 5.41%

Peer Median: 1.30%

#552 of 2508 Top 22.0% in <100M tier

562

Deposit Growth Rate

growth

Value: 5.32%

Peer Median: 0.66%

#562 of 2508 Top 22.4% in <100M tier

Top Weaknesses (8 metrics)

2496

Net Interest Margin (NIM)

profitability

Value: 0.39%

Peer Median: 3.83%

#2496 of 2508 Bottom 0.5% in <100M tier

2422

Efficiency Ratio

profitability

Value: 140.95%

Peer Median: 81.45%

#2422 of 2508 Bottom 3.5% in <100M tier

2408

Net Worth Ratio

risk

Value: 7.73%

Peer Median: 14.28%

#2408 of 2508 Bottom 4.0% in <100M tier

2395

Return on Assets (ROA)

profitability

Value: -2.10%

Peer Median: 0.61%

#2395 of 2508 Bottom 4.5% in <100M tier

2229

Member Growth Rate

growth

Value: -6.67%

Peer Median: -1.37%

#2229 of 2508 Bottom 11.2% in <100M tier

2127

Net Charge-Off Rate

risk

Value: 0.92%

Peer Median: 0.07%

#2127 of 2508 Bottom 15.2% in <100M tier

1969

Share Certificate Concentration (%)

balance_sheet

Value: 27.26%

Peer Median: 12.45%

#1969 of 2508 Bottom 21.5% in <100M tier

1943

Loan-to-Share Ratio

balance_sheet

Value: 40.33%

Peer Median: 58.72%

#1943 of 2508 Bottom 22.6% in <100M tier