BlastPoint's Credit Union Scorecard
ITALO-AMERICAN
Charter #110 · NY
2596 CUs in <100M nationally
188 in NY
ITALO-AMERICAN has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% 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 5.7% in tier
- + Efficiency Ratio: Top 7.4% in tier
- + Member Growth Rate: Top 9.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 1.2% in tier
- - Net Interest Margin (NIM): Bottom 3.9% in tier
- - Share Certificate Concentration (%): Bottom 8.5% in tier
- - Members Per Employee (MPE): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
599
+3.8% YoY+0.7% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$39.1M
-0.3% YoY-1.0% QoQ
|
+$9.2M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$32.0M
+6.6% YoY-0.8% QoQ
|
+$16.2M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$33.0M
-1.2% YoY-1.3% QoQ
|
+$7.5M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
68% |
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| ROA |
1.0%
+69.3% YoY+8.2% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
64% |
| NIM |
2.1%
+38.6% YoY+0.9% QoQ
|
-1.9% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio |
52.1%
-15.8% YoY-5.1% QoQ
|
-29.3% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
97.0%
+7.9% YoY+0.5% QoQ
|
+35.8% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 5.9% in tier |
| AMR |
$108,422
-1.3% YoY-1.8% QoQ
|
+$94K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Top 0.0% in tier |
| CD Concentration |
38.5%
-12.9% YoY+1.4% QoQ
|
+14.1% |
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 (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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Average Member Relationship (AMR)
engagement
Value:
$108,422
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Loan-to-Member Ratio (LMR)
engagement
Value:
$53,394
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
149
Loan-to-Share Ratio
balance_sheet
Value:
97.03%
Peer Avg: -
#149 of 2596
Top 5.7% in <100M tier
192
Efficiency Ratio
profitability
Value:
52.11%
Peer Avg: -
#192 of 2596
Top 7.4% in <100M tier
238
Member Growth Rate
growth
Value:
3.81%
Peer Avg: -
#238 of 2596
Top 9.1% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
424
Total Loans
balance_sheet
Value:
$31.98M
Peer Avg: -
#424 of 2596
Top 16.3% in <100M tier
441
Loan Growth Rate
growth
Value:
6.60%
Peer Avg: -
#441 of 2596
Top 16.9% in <100M tier
Top Weaknesses (5 metrics)
2566
First Mortgage Concentration (%)
balance_sheet
Value:
78.77%
Peer Avg: -
#2566 of 2596
Bottom 1.2% in <100M tier
2496
Net Interest Margin (NIM)
profitability
Value:
2.05%
Peer Avg: -
#2496 of 2596
Bottom 3.9% in <100M tier
2377
Share Certificate Concentration (%)
balance_sheet
Value:
38.53%
Peer Avg: -
#2377 of 2596
Bottom 8.5% in <100M tier
2345
Members Per Employee (MPE)
engagement
Value:
149.750
Peer Avg: -
#2345 of 2596
Bottom 9.7% in <100M tier
2174
Total Members
engagement
Value:
599
Peer Avg: -
#2174 of 2596
Bottom 16.3% in <100M tier