BlastPoint's Credit Union Scorecard

MARYVALE SCHOOLS

Charter #11550 · NY

<100M

2508 CUs in <100M nationally 179 in NY

MARYVALE SCHOOLS has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Delinquency Rate (60+ days): Top 0.1% in tier
+ AMR Growth Rate: Top 5.6% in tier

Key Concerns

Areas that may need attention

- ROA 12.06% below tier average
- Member decline: -12.4% YoY
- Efficiency Ratio: Bottom 0.0% in tier
- Net Interest Margin (NIM): Bottom 0.2% in tier
- Member Growth Rate: Bottom 4.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	795 -12.4% YoY+0.3% QoQ	-1.9K	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	23%
Assets	$10.2M -1.6% YoY+1.5% QoQ	$-20.0M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	32%
Loans	$4.4M +4.1% YoY-1.5% QoQ	$-10.9M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	31%
Deposits	$8.2M -3.3% YoY+1.3% QoQ	$-17.6M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	32%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-11.9% -2028.0% YoY-1402.6% QoQ	-12.1%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Bottom 0.8% in tier
NIM	-10.3% -500.4% YoY-474.3% QoQ	-14.3%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Bottom 0.1% in tier
Efficiency Ratio	-	-	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	-
Delinquency Rate	0.0%	-1.5	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Top 0.1% in tier
Loan To Share	54.2% +7.6% YoY-2.7% QoQ	-4.3%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	44%
AMR	$15,840 +13.3% YoY+0.1% QoQ	+$956	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	60%
CD Concentration	1.2% -60.3% YoY+77.2% QoQ	-23.0%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.65%

#1 of 2508 Top 0.1% in <100M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

141

AMR Growth Rate

growth

Value: 13.26%

Peer Median: 1.27%

#141 of 2508 Top 5.6% in <100M tier

410

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: 0.07%

#410 of 2508 Top 16.3% in <100M tier

567

Net Worth Ratio

risk

Value: 19.82%

Peer Median: 14.28%

#567 of 2508 Top 22.6% in <100M tier

590

Loan Growth Rate

growth

Value: 4.06%

Peer Median: -2.36%

#590 of 2508 Top 23.5% in <100M tier

Top Weaknesses (6 metrics)

2508

Efficiency Ratio

profitability

Value: -

Peer Median: 81.45%

#2508 of 2508 Bottom 0.1% in <100M tier

2505

Net Interest Margin (NIM)

profitability

Value: -10.32%

Peer Median: 3.83%

#2505 of 2508 Bottom 0.2% in <100M tier

2489

Return on Assets (ROA)

profitability

Value: -11.91%

Peer Median: 0.61%

#2489 of 2508 Bottom 0.8% in <100M tier

2400

Member Growth Rate

growth

Value: -12.44%

Peer Median: -1.37%

#2400 of 2508 Bottom 4.3% in <100M tier

2090

Fee Income Per Member

profitability

Value: $6.65

Peer Median: $60.42

#2090 of 2508 Bottom 16.7% in <100M tier

1938

Total Members

engagement

Value: 795

Peer Median: 1,918

#1938 of 2508 Bottom 22.8% in <100M tier