BlastPoint's Credit Union Scorecard
MARYVALE SCHOOLS
Charter #11550 · NY
MARYVALE SCHOOLS has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.2% in tier
- + AMR Growth Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -12.6% YoY
- - Member Growth Rate: Bottom 3.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
793
-12.6% YoY-13.3% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$10.0M
-1.6% YoY-0.9% QoQ
|
$-20.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$4.5M
+7.1% YoY+2.7% QoQ
|
$-11.3M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$8.1M
-3.1% YoY-1.2% QoQ
|
$-17.6M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.9%
-7.3% YoY-21.5% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
2.8%
+1.6% YoY+1.2% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.9% in tier |
| Efficiency Ratio |
67.2%
+4.4% YoY+16.4% QoQ
|
-15.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
55.7%
+10.5% YoY+3.9% QoQ
|
-4.9% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$15,829
+14.7% YoY+15.6% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
0.7%
-81.7% YoY-50.4% QoQ
|
-23.7% | 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)