BlastPoint's Credit Union Scorecard
ITALO-AMERICAN
Charter #110 · NY
<100M
2508 CUs in <100M nationally
179 in NY
ITALO-AMERICAN has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.29% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Efficiency Ratio: Top 2.4% in tier
- + Loan-to-Share Ratio: Top 3.4% in tier
- + Loan Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 1.1% in tier
- - Net Interest Margin (NIM): Bottom 5.5% in tier
- - Share Certificate Concentration (%): Bottom 6.9% in tier
- - Members Per Employee (MPE): Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
599
+2.6% YoY-0.2% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$40.6M
+4.5% YoY+2.9% QoQ
|
+$10.4M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$33.9M
+10.2% YoY+4.1% QoQ
|
+$18.7M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 13.9% in tier |
| Deposits |
$34.3M
+4.3% YoY+3.0% QoQ
|
+$8.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
1.4%
+62.6% YoY+30.5% QoQ
|
+1.3% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
83% |
| NIM |
2.3%
+17.5% YoY+7.9% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.4% in tier |
| Efficiency Ratio |
42.3%
-25.4% YoY-17.4% QoQ
|
-48.3% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 2.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
99.1%
+5.7% YoY+1.0% QoQ
|
+40.5% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 3.5% in tier |
| AMR |
$113,849
+4.5% YoY+3.7% QoQ
|
+$99K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 0.1% in tier |
| CD Concentration |
41.2%
+3.1% YoY+6.4% QoQ
|
+16.9% | 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)
Top Strengths (12 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
Average Member Relationship (AMR)
engagement
Value:
$113,849
Peer Median: $13,926
#1 of 2508
Top 0.1% in <100M tier
1
Loan-to-Member Ratio (LMR)
engagement
Value:
$56,653
Peer Median: $4,923
#1 of 2508
Top 0.1% in <100M tier
61
Efficiency Ratio
profitability
Value:
42.28%
Peer Median: 81.45%
#61 of 2508
Top 2.4% in <100M tier
87
Loan-to-Share Ratio
balance_sheet
Value:
99.05%
Peer Median: 58.72%
#87 of 2508
Top 3.4% in <100M tier
244
Loan Growth Rate
growth
Value:
10.22%
Peer Median: -2.36%
#244 of 2508
Top 9.7% in <100M tier
323
Fee Income Per Member
profitability
Value:
$144.65
Peer Median: $60.42
#323 of 2508
Top 12.8% in <100M tier
338
Member Growth Rate
growth
Value:
2.57%
Peer Median: -1.37%
#338 of 2508
Top 13.4% in <100M tier
349
Total Loans
balance_sheet
Value:
$33.94M
Peer Median: $9.48M
#349 of 2508
Top 13.9% in <100M tier
Top Weaknesses (5 metrics)
2481
First Mortgage Concentration (%)
balance_sheet
Value:
81.83%
Peer Median: 3.66%
#2481 of 2508
Bottom 1.1% in <100M tier
2372
Net Interest Margin (NIM)
profitability
Value:
2.27%
Peer Median: 3.83%
#2372 of 2508
Bottom 5.5% in <100M tier
2337
Share Certificate Concentration (%)
balance_sheet
Value:
41.19%
Peer Median: 12.45%
#2337 of 2508
Bottom 6.9% in <100M tier
2265
Members Per Employee (MPE)
engagement
Value:
149.750
Peer Median: 333.750
#2265 of 2508
Bottom 9.7% in <100M tier
2099
Total Members
engagement
Value:
599
Peer Median: 1,918
#2099 of 2508
Bottom 16.3% in <100M tier