BlastPoint's Credit Union Scorecard
CO-OPERATIVE
Charter #1134 · NY
CO-OPERATIVE has 2 strengths but faces 13 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 2.19% below tier average
- - Efficiency ratio 99.65% above tier (higher cost structure)
- - Delinquency rate 0.57% above tier average
- - Member decline: -12.6% YoY
- - Asset Growth Rate: Bottom 2.1% in tier
- - Net Interest Margin (NIM): Bottom 2.5% in tier
- - Loan Growth Rate: Bottom 2.8% in tier
- - Deposit Growth Rate: Bottom 3.1% in tier
- - Member Growth Rate: Bottom 4.0% in tier
- - Loan-to-Share Ratio: Bottom 5.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.6% in tier
- - Total Loans: Bottom 8.8% in tier
- - Members Per Employee (MPE): Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
437
-12.6% YoY-2.2% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 12.1% in tier |
| Assets |
$3.7M
-14.0% YoY-2.3% QoQ
|
$-26.2M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
15% |
| Loans |
$644,087
-28.8% YoY-10.7% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.8% in tier |
| Deposits |
$2.9M
-14.8% YoY-2.4% QoQ
|
$-22.6M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
15% |
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| ROA |
-1.5%
+431.4% YoY+5.6% QoQ
|
-2.2% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.1% in tier |
| NIM |
1.7%
+24.7% YoY-2.5% QoQ
|
-2.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.5% in tier |
| Efficiency Ratio |
181.0%
-8.0% YoY+7.9% QoQ
|
+99.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 1.5% in tier |
| Delinquency Rate |
2.1%
-75.6% YoY-9.0% QoQ
|
+0.6 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
22.3%
-16.5% YoY-8.5% QoQ
|
-38.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.4% in tier |
| AMR |
$8,075
-5.9% YoY-1.8% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration | 0.0% | -24.4% |
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)
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)