BlastPoint's Credit Union Scorecard
CO-OPERATIVE
Charter #1134 · NY
CO-OPERATIVE has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.76% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 175.40% above tier (higher cost structure)
- - Delinquency rate 0.21% above tier average
- - Member decline: -13.4% YoY
- - Loan Growth Rate: Bottom 1.2% in tier
- - Net Interest Margin (NIM): Bottom 1.4% in tier
- - Loan-to-Share Ratio: Bottom 3.2% in tier
- - Member Growth Rate: Bottom 3.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
402
-13.4% YoY-4.1% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 11.0% in tier |
| Assets |
$3.5M
-7.6% YoY-0.7% QoQ
|
$-26.7M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.3% in tier |
| Loans |
$416,708
-45.5% YoY-6.2% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.8% in tier |
| Deposits |
$2.7M
-8.3% YoY-1.2% QoQ
|
$-23.1M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.2% in tier |
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| ROA |
0.9%
-176.5% YoY-154.1% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
65% |
| NIM |
1.2%
-30.1% YoY-25.9% QoQ
|
-2.8% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.4% in tier |
| Efficiency Ratio |
266.0%
+60.8% YoY+36.4% QoQ
|
+175.4% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
1.7%
-24.4% YoY+35.9% QoQ
|
+0.2 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
15.4%
-40.6% YoY-5.0% QoQ
|
-43.1% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.1% in tier |
| AMR |
$7,779
-3.0% YoY+2.3% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)