BlastPoint's Credit Union Scorecard
CO-OPERATIVE
Charter #1134 · NY
CO-OPERATIVE has 2 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.29% below tier average
- - Efficiency ratio 112.42% above tier (higher cost structure)
- - Member decline: -13.1% YoY
- - Loan Growth Rate: Bottom 1.3% in tier
- - Net Interest Margin (NIM): Bottom 2.3% in tier
- - Loan-to-Share Ratio: Bottom 3.2% in tier
- - Member Growth Rate: Bottom 3.6% in tier
- - Asset Growth Rate: Bottom 5.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.9% in tier
- - Total Loans: Bottom 6.9% in tier
- - Deposit Growth Rate: Bottom 7.4% in tier
- - Members Per Employee (MPE): Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
419
-13.1% YoY-4.1% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 11.6% in tier |
| Assets |
$3.5M
-9.1% YoY-4.3% QoQ
|
$-26.6M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.3% in tier |
| Loans |
$444,129
-45.5% YoY-31.0% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.8% in tier |
| Deposits |
$2.7M
-9.7% YoY-4.9% QoQ
|
$-22.9M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.4% in tier |
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| ROA |
-1.7%
+9.2% YoY+10.5% QoQ
|
-2.3% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.6% in tier |
| NIM |
1.7%
+9.6% YoY-4.1% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.2% in tier |
| Efficiency Ratio |
195.0%
+1.3% YoY+7.7% QoQ
|
+112.4% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 1.1% in tier |
| Delinquency Rate |
1.3%
-64.2% YoY-39.1% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
16.2%
-39.6% YoY-27.5% QoQ
|
-44.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.1% in tier |
| AMR |
$7,607
-4.8% YoY-5.8% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)