BlastPoint's Credit Union Scorecard
MARYVALE SCHOOLS
Charter #11550 · NY
MARYVALE SCHOOLS demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
915
+0.5% YoY0% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$10.1M
+2.6% YoY-4.9% QoQ
|
$-19.7M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$4.4M
+9.8% YoY-1.1% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$8.2M
+1.6% YoY-6.3% QoQ
|
$-17.3M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
1.2%
+43.4% YoY+5.7% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
2.7%
+4.5% YoY+0.8% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.2% in tier |
| Efficiency Ratio |
57.8%
-16.9% YoY-3.4% QoQ
|
-23.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
53.6%
+8.1% YoY+5.6% QoQ
|
-7.6% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$13,692
+3.7% YoY-4.6% QoQ
|
$-935 |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
1.4%
-65.3% YoY-53.5% QoQ
|
-23.0% |
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)