BlastPoint's Credit Union Scorecard

SERVU

Charter #10933 · NY

Community 500M-750M
165 CUs in 500M-750M nationally 7 in NY
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SERVU has 7 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 17.7% in tier
  • + Organic Growth Leader: Top 32.2% in tier
  • + ROA 0.19% above tier average
  • + Net Interest Margin 0.40% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 6.7% in tier
  • + Share Certificate Concentration (%): Top 6.7% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 36.9% in tier
  • - Cost Spiral: Bottom 53.3% in tier
  • - Efficiency ratio 0.90% above tier (higher cost structure)
  • - Total Assets: Bottom 3.0% in tier
  • - Total Deposits: Bottom 3.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 39,492
+3.7% YoY+0.8% QoQ
 +916 38,575
-4.8% YoY
 26,134
+5.1% YoY
 33,374
+5.7% YoY
 58%
Assets $506.4M
+6.9% YoY+2.3% QoQ
 $-115.4M $621.7M
+0.1% YoY
 $482.3M
+7.4% YoY
 $561.6M
+9.7% YoY
 Bottom 2.4% in tier
Loans $364.6M
+8.0% YoY+1.8% QoQ
 $-65.2M $429.8M
-1.8% YoY
 $324.6M
+7.8% YoY
 $397.0M
+8.8% YoY
 22%
Deposits $426.7M
+7.1% YoY+2.6% QoQ
 $-112.0M $538.7M
+0.6% YoY
 $411.3M
+7.7% YoY
 $477.3M
+9.7% YoY
 Bottom 2.4% 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%
-31.3% YoY-5.4% QoQ
 +0.2% 0.7%
+42.9% YoY
 0.7%
+147.7% YoY
 0.7%
+15.9% YoY
 65%
NIM 3.8%
+8.2% YoY+1.3% QoQ
 +0.4% 3.4%
+8.0% YoY
 3.6%
+4.1% YoY
 3.8%
+5.1% YoY
 79%
Efficiency Ratio 78.4%
+10.3% YoY+0.6% QoQ
 +0.9% 77.5%
-4.1% YoY
 80.7%
-3.4% YoY
 79.7%
-3.3% YoY
 51%
Delinquency Rate 0.5%
-47.9% YoY-31.4% QoQ
 -0.4 0.8%
-1.1% YoY
 1.6%
-19.7% YoY
 1.3%
-2.1% YoY
 24%
Loan To Share 85.5%
+0.8% YoY-0.7% QoQ
 +5.6% 79.8%
-2.3% YoY
 60.4%
-2.5% YoY
 67.4%
-1.7% YoY
 57%
AMR $20,037
+3.7% YoY+1.4% QoQ
 $-7K $26,849
+2.7% YoY
 $19,178
-21.9% YoY
 $19,687
+2.0% YoY
 Bottom 13.9% in tier
CD Concentration 15.6%
+3.2% YoY+0.1% QoQ
 -8.8% 24.4% 16.3% 19.8% 21%
Indirect Auto % 0.0% -13.8% 13.8% 2.6% 7.8% Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#106 of 595 • Top 17.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.68%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.85%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.79%, National: 7.78%)
better than tier avg
913 nationally
→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth
#138 of 426 • Top 32.2% in tier

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

Why This Signature
Member Growth (YoY): 3.68%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.79%, National: 7.78%)
better than tier avg
609 nationally
→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Margin Compression

decline
#46 of 123 • Bottom 36.9% 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: 0.85%
(Tier: 0.75%, National: 0.67%)
but better than tier avg
ROA (Prior Year): 1.24%
(Tier: 0.63%, National: 0.62%)
but better than tier avg
ROA Change (YoY): -0.39% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
123 of 282 Community CUs have this signature | 145 nationally
→ No prior data (123 CUs now) | New qualifier

Cost Spiral

risk
#25 of 46 • Bottom 53.3% 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: 7.29% points
(Tier: -2.44% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): 59.33%
(Tier: 60.04%, National: 63.66%)
but better than tier avg
46 of 282 Community CUs have this signature | 58 nationally
↓ Shrinking -30 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)

Comparing against 165 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 165 Top 0.0% in 500M-750M tier
12
Net Worth Ratio
risk
Value: 14.77%
Peer Median: -
#12 of 165 Top 6.7% in 500M-750M tier
12
Share Certificate Concentration (%)
balance_sheet
Value: 15.60%
Peer Median: -
#12 of 165 Top 6.7% in 500M-750M tier
28
Member Growth Rate
growth
Value: 3.68%
Peer Median: -
#28 of 165 Top 16.4% in 500M-750M tier
34
Net Interest Margin (NIM)
profitability
Value: 3.84%
Peer Median: -
#34 of 165 Top 20.0% in 500M-750M tier
41
Total Delinquency Rate (60+ days)
risk
Value: 0.46%
Peer Median: -
#41 of 165 Top 24.2% in 500M-750M tier

Top Weaknesses (5 metrics)

161
Total Assets
balance_sheet
Value: $506.35M
Peer Median: -
#161 of 165 Bottom 3.0% in 500M-750M tier
161
Total Deposits
balance_sheet
Value: $426.68M
Peer Median: -
#161 of 165 Bottom 3.0% in 500M-750M tier
142
Average Member Relationship (AMR)
engagement
Value: $20,037
Peer Median: -
#142 of 165 Bottom 14.5% in 500M-750M tier
129
Loan-to-Member Ratio (LMR)
engagement
Value: $9,233
Peer Median: -
#129 of 165 Bottom 22.4% in 500M-750M tier
128
Total Loans
balance_sheet
Value: $364.63M
Peer Median: -
#128 of 165 Bottom 23.0% in 500M-750M tier
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