BlastPoint's Credit Union Scorecard

SERVU

Charter #10933 · NY

1077 CUs in 100M-500M nationally 52 in NY

SERVU has 9 strengths but faces 3 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 6.9% in tier
+ Organic Growth Leader: Top 10.3% in tier
+ ROA 0.11% above tier average
+ Net Interest Margin 0.21% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Assets: Top 0.6% in tier
+ Total Loans: Top 1.4% in tier
+ Total Members: Top 1.7% in tier
+ Total Deposits: Top 1.9% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 5.3% in tier
- Margin Compression: Bottom 10.3% in tier
- Efficiency ratio 0.65% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	39,170 +3.5% YoY+1.1% QoQ	+23.5K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	Top 1.8% in tier
Assets	$495.1M +5.5% YoY-0.8% QoQ	+$263.8M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	Top 0.6% in tier
Loans	$358.1M +7.9% YoY+1.5% QoQ	+$210.3M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	Top 1.5% in tier
Deposits	$416.0M +5.3% YoY-1.3% QoQ	+$215.7M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	Top 2.0% in tier

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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	0.9% -34.4% YoY+1.6% QoQ	+0.1%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	60%
NIM	3.8% +9.1% YoY+1.3% QoQ	+0.2%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	62%
Efficiency Ratio	77.9% +14.3% YoY+0.7% QoQ	+0.7%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	53%
Delinquency Rate	0.7% -28.6% YoY-0.7% QoQ	-0.2	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	50%
Loan To Share	86.1% +2.5% YoY+2.8% QoQ	+13.4%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	77%
AMR	$19,761 +2.9% YoY-1.1% QoQ	$-5K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	33%
CD Concentration	15.6% +4.9% YoY+4.4% QoQ	-8.8%	24.4% +4.2% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#127 of 603 • Top 6.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.49%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.90%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth

#137 of 430 • Top 10.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.49%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Concerns (2)

Cost Spiral

risk

#14 of 62 • Bottom 5.3% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 9.77% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 56.75%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Margin Compression

decline

#44 of 136 • Bottom 10.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.90%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.38%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.47% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $495.12M

Peer Avg: -

#7 of 1077 Top 0.6% in 100M-500M tier

Total Loans

balance_sheet

Value: $358.05M

Peer Avg: -

#16 of 1077 Top 1.4% in 100M-500M tier

Total Members

engagement

Value: 39,170

Peer Avg: -

#19 of 1077 Top 1.7% in 100M-500M tier

Total Deposits

balance_sheet

Value: $415.97M

Peer Avg: -

#22 of 1077 Top 1.9% in 100M-500M tier

168

Net Worth Ratio

risk

Value: 14.92%

Peer Avg: -

#168 of 1077 Top 15.5% in 100M-500M tier

170

Member Growth Rate

growth

Value: 3.49%

Peer Avg: -

#170 of 1077 Top 15.7% in 100M-500M tier

248

Loan Growth Rate

growth

Value: 7.92%

Peer Avg: -

#248 of 1077 Top 22.9% in 100M-500M tier

250

Loan-to-Share Ratio

balance_sheet

Value: 86.08%

Peer Avg: -

#250 of 1077 Top 23.1% in 100M-500M tier

260

Share Certificate Concentration (%)

balance_sheet

Value: 15.59%

Peer Avg: -

#260 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available