BlastPoint's Credit Union Scorecard
SERVU
Charter #10933 · NY
SERVU has 8 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.4% in tier
- + Organic Growth Leader: Top 2.4% in tier
- + ROA 0.59% above tier average
- + Net Interest Margin 0.50% above tier average
- + Strong member growth: 13.2% YoY
- + Member Growth Rate: Top 2.4% in tier
- + Net Worth Ratio: Top 7.3% in tier
- + Share Certificate Concentration (%): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 96.3% in tier
- - AMR Growth Rate: Bottom 2.4% in tier
- - Average Member Relationship (AMR): Bottom 7.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in New York.
- Shares and deposits +5.9% year over year ($446M in shares and deposits).
- Membership: 43,851 members, +13.2% vs a year ago.
- Delinquency rate 0.47%.
- Return on assets 1.41%.
- Efficiency ratio 67.83% vs a 76.56% peer average.
- Loan-to-share ratio 86.13% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,851
+13.2% YoY+0.9% QoQ
|
+6.0K |
37,897
-5.0% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$529.2M
+6.0% YoY+2.0% QoQ
|
$-93.2M |
$622.4M
+0.6% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.5% in tier |
| Loans |
$384.2M
+8.9% YoY+2.6% QoQ
|
$-44.3M |
$428.5M
-0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$446.1M
+5.9% YoY+1.9% QoQ
|
$-93.7M |
$539.8M
+0.9% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.3% in tier |
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| ROA |
1.4%
+59.0% YoY+1.3% QoQ
|
+0.6% |
0.8%
+39.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 9.7% in tier |
| NIM |
4.0%
+7.7% YoY-2.7% QoQ
|
+0.5% |
3.5%
+5.0% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
67.8%
-12.4% YoY-2.4% QoQ
|
-8.7% |
76.6%
-3.6% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
0.5%
-31.1% YoY-14.5% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
27% |
| Loan To Share |
86.1%
+2.9% YoY+0.8% QoQ
|
+6.8% |
79.3%
-1.4% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$18,935
-5.2% YoY+1.3% QoQ
|
$-8K |
$27,294
+4.1% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.7% in tier |
| CD Concentration |
16.3%
+8.9% YoY+1.1% QoQ
|
-8.3% | 24.6% | 16.4% | 20.0% | 22% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)