BlastPoint's Credit Union Scorecard
ITALO-AMERICAN
Charter #110 · NY
2556 CUs in <100M nationally
183 in NY
ITALO-AMERICAN has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.9% in tier
- + Efficiency Ratio: Top 5.2% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Member Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 1.2% in tier
- - Net Interest Margin (NIM): Bottom 4.6% in tier
- - Share Certificate Concentration (%): Bottom 8.3% in tier
- - Members Per Employee (MPE): Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
600
+3.6% YoY+0.2% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$39.5M
+3.6% YoY+1.0% QoQ
|
+$9.3M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$32.6M
+9.2% YoY+1.9% QoQ
|
+$16.8M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$33.2M
+3.2% YoY+0.9% QoQ
|
+$7.6M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
1.1%
+56.6% YoY+4.6% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
2.1%
+32.7% YoY+2.4% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio |
51.2%
-14.0% YoY-1.7% QoQ
|
-31.4% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
98.1%
+5.8% YoY+1.1% QoQ
|
+37.5% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 5.0% in tier |
| AMR |
$109,756
+2.4% YoY+1.2% QoQ
|
+$95K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 0.0% in tier |
| CD Concentration |
38.7%
-5.9% YoY+0.5% QoQ
|
+14.3% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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 (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Average Member Relationship (AMR)
engagement
Value:
$109,756
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Loan-to-Member Ratio (LMR)
engagement
Value:
$54,343
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
126
Loan-to-Share Ratio
balance_sheet
Value:
98.07%
Peer Median: -
#126 of 2556
Top 4.9% in <100M tier
134
Efficiency Ratio
profitability
Value:
51.20%
Peer Median: -
#134 of 2556
Top 5.2% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
221
Member Growth Rate
growth
Value:
3.63%
Peer Median: -
#221 of 2556
Top 8.6% in <100M tier
315
Loan Growth Rate
growth
Value:
9.17%
Peer Median: -
#315 of 2556
Top 12.3% in <100M tier
400
Total Loans
balance_sheet
Value:
$32.61M
Peer Median: -
#400 of 2556
Top 15.6% in <100M tier
Top Weaknesses (5 metrics)
2526
First Mortgage Concentration (%)
balance_sheet
Value:
79.67%
Peer Median: -
#2526 of 2556
Bottom 1.2% in <100M tier
2440
Net Interest Margin (NIM)
profitability
Value:
2.10%
Peer Median: -
#2440 of 2556
Bottom 4.6% in <100M tier
2345
Share Certificate Concentration (%)
balance_sheet
Value:
38.72%
Peer Median: -
#2345 of 2556
Bottom 8.3% in <100M tier
2307
Members Per Employee (MPE)
engagement
Value:
150.000
Peer Median: -
#2307 of 2556
Bottom 9.8% in <100M tier
2143
Total Members
engagement
Value:
600
Peer Median: -
#2143 of 2556
Bottom 16.2% in <100M tier