BlastPoint's Credit Union Scorecard

LE ROY

Charter #12170 · NY

<100M

2508 CUs in <100M nationally 179 in NY

LE ROY has 2 strengths but faces 2 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

+ ROA 1.86% above tier average
+ Efficiency Ratio: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.51% above tier average
- Member decline: -2.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	1,542 -2.3% YoY-1.0% QoQ	-1.1K	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	42%
Assets	$21.6M +7.7% YoY+3.7% QoQ	$-8.6M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	49%
Loans	$6.6M -11.0% YoY-4.2% QoQ	$-8.7M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	41%
Deposits	$19.2M +6.5% YoY+3.5% QoQ	$-6.6M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	51%

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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	2.0% +12.9% YoY+14.9% QoQ	+1.9%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Top 6.4% in tier
NIM	3.9% +1.1% YoY-1.2% QoQ	-0.1%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	53%
Efficiency Ratio	57.3% -8.1% YoY-6.0% QoQ	-33.3%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Top 9.6% in tier
Delinquency Rate	2.0% +6.2% YoY-0.7% QoQ	+0.5	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	81%
Loan To Share	34.1% -16.4% YoY-7.4% QoQ	-24.4%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	15%
AMR	$16,727 +3.8% YoY+2.4% QoQ	+$2K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	64%
CD Concentration	0.3% -29.8% YoY-3.4% QoQ	-24.0%	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 (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

160

Return on Assets (ROA)

profitability

Value: 2.01%

Peer Median: 0.61%

#160 of 2508 Top 6.3% in <100M tier

242

Efficiency Ratio

profitability

Value: 57.33%

Peer Median: 81.45%

#242 of 2508 Top 9.6% in <100M tier

316

Asset Growth Rate

growth

Value: 7.67%

Peer Median: 1.30%

#316 of 2508 Top 12.6% in <100M tier

440

Deposit Growth Rate

growth

Value: 6.47%

Peer Median: 0.66%

#440 of 2508 Top 17.5% in <100M tier

568

Fee Income Per Member

profitability

Value: $115.38

Peer Median: $60.42

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

579

Share Certificate Concentration (%)

balance_sheet

Value: 0.31%

Peer Median: 12.45%

#579 of 2508 Top 23.0% in <100M tier

Top Weaknesses (5 metrics)

2127

Loan-to-Share Ratio

balance_sheet

Value: 34.13%

Peer Median: 58.72%

#2127 of 2508 Bottom 15.2% in <100M tier

2034

Total Delinquency Rate (60+ days)

risk

Value: 2.01%

Peer Median: 0.65%

#2034 of 2508 Bottom 18.9% in <100M tier

2019

Loan Growth Rate

growth

Value: -10.98%

Peer Median: -2.36%

#2019 of 2508 Bottom 19.5% in <100M tier

1961

First Mortgage Concentration (%)

balance_sheet

Value: 28.61%

Peer Median: 3.66%

#1961 of 2508 Bottom 21.9% in <100M tier

1946

Net Worth Ratio

risk

Value: 10.71%

Peer Median: 14.28%

#1946 of 2508 Bottom 22.4% in <100M tier