BlastPoint's Credit Union Scorecard
MEDICAL EMPLOYEES OF STATEN ISLAND
Charter #12546 · NY
MEDICAL EMPLOYEES OF STATEN ISLAND has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.00% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Member decline: -6.5% YoY
- - Average Member Relationship (AMR): Bottom 7.6% in tier
- - Net Charge-Off Rate: Bottom 7.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
759
-6.5% YoY-3.6% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$2.5M
-5.8% YoY-1.6% QoQ
|
$-27.7M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.2% in tier |
| Loans |
$1.1M
-6.5% YoY-6.5% QoQ
|
$-14.1M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.6% in tier |
| Deposits |
$2.3M
-6.6% YoY-1.7% QoQ
|
$-23.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.6% in tier |
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| ROA |
-0.3%
-126.4% YoY-146.5% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
5.0%
-9.1% YoY-13.3% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 11.7% in tier |
| Efficiency Ratio |
88.6%
+9.0% YoY+2.9% QoQ
|
-2.1% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
66% |
| Delinquency Rate |
0.0%
-99.5% YoY-99.3% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 13.7% in tier |
| Loan To Share |
49.5%
+0.1% YoY-4.9% QoQ
|
-9.0% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$4,519
-0.1% YoY+0.2% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)