BlastPoint's Credit Union Scorecard
SERVU
Charter #10933 · NY
SERVU has 8 strengths but faces 6 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 3.2% in tier
- + Organic Growth Leader: Top 3.2% in tier
- + ROA 0.71% above tier average
- + Net Interest Margin 0.68% above tier average
- + Strong member growth: 12.9% YoY
- + Member Growth Rate: Top 1.8% in tier
- + Net Worth Ratio: Top 6.6% in tier
- + Share Certificate Concentration (%): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 20.9% in tier
- - Credit Quality Pressure: Bottom 51.9% in tier
- - Shrinking Wallet Share: Bottom 95.4% in tier
- - AMR Growth Rate: Bottom 3.6% in tier
- - Average Member Relationship (AMR): Bottom 7.8% in tier
- - Total Deposits: 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 |
43,467
+12.9% YoY+10.1% QoQ
|
+5.4K |
38,079
-4.8% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
71% |
| Assets |
$519.0M
+5.5% YoY+2.5% QoQ
|
$-100.7M |
$619.7M
-0.2% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.4% in tier |
| Loans |
$374.4M
+9.1% YoY+2.7% QoQ
|
$-45.0M |
$419.3M
-1.4% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$437.9M
+5.6% YoY+2.6% QoQ
|
$-101.6M |
$539.5M
-0.1% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.8% in tier |
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| ROA |
1.4%
+62.5% YoY+63.3% QoQ
|
+0.7% |
0.7%
+36.0% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 13.8% in tier |
| NIM |
4.1%
+11.8% YoY+7.9% QoQ
|
+0.7% |
3.5%
+4.5% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
69.5%
-11.2% YoY-11.3% QoQ
|
-8.9% |
78.4%
-3.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
18% |
| Delinquency Rate |
0.5%
+2.1% YoY+18.3% QoQ
|
-0.2 |
0.7%
-0.9% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
85.5%
+3.3% YoY+0.0% QoQ
|
+7.8% |
77.7%
-1.2% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$18,687
-5.1% YoY-6.7% QoQ
|
$-8K |
$26,927
+3.1% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.2% in tier |
| CD Concentration |
16.1%
+7.6% YoY+3.1% QoQ
|
-8.2% | 24.3% | 16.4% | 19.8% | 22% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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 (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)