BlastPoint's Credit Union Scorecard

COOPERS CAVE

Charter #12671 · NY

<100M

2508 CUs in <100M nationally 179 in NY

COOPERS CAVE 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 0.65% above tier average
+ Total Delinquency Rate (60+ days): Top 0.1% in tier

Key Concerns

Areas that may need attention

- Member decline: -6.8% YoY
- Net Worth Ratio: Bottom 4.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	1,926 -6.8% YoY+0.2% QoQ	-750	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	50%
Assets	$21.9M -6.2% YoY+3.5% QoQ	$-8.3M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	50%
Loans	$8.6M -9.9% YoY-4.4% QoQ	$-6.7M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	47%
Deposits	$19.8M -7.8% YoY+3.2% QoQ	$-5.9M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	52%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% -29.5% YoY-30.6% QoQ	+0.7%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	60%
NIM	3.4% -0.7% YoY-12.1% QoQ	-0.6%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	31%
Efficiency Ratio	79.8% +13.7% YoY+7.7% QoQ	-10.8%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	45%
Delinquency Rate	0.0% -100.0% QoQ	-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	43.2% -2.3% YoY-7.4% QoQ	-15.3%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	26%
AMR	$14,756 -1.8% YoY+0.6% QoQ	$-128	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	54%
CD Concentration	0.8% -25.0% YoY-8.4% QoQ	-23.4%	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 (5 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

392

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: 0.07%

#392 of 2508 Top 15.6% in <100M tier

416

Members Per Employee (MPE)

engagement

Value: 481.500

Peer Median: 333.750

#416 of 2508 Top 16.5% in <100M tier

614

Share Certificate Concentration (%)

balance_sheet

Value: 0.84%

Peer Median: 12.45%

#614 of 2508 Top 24.4% in <100M tier

Top Weaknesses (6 metrics)

2386

Net Worth Ratio

risk

Value: 7.98%

Peer Median: 14.28%

#2386 of 2508 Bottom 4.9% in <100M tier

2250

Deposit Growth Rate

growth

Value: -7.82%

Peer Median: 0.66%

#2250 of 2508 Bottom 10.3% in <100M tier

2244

Asset Growth Rate

growth

Value: -6.20%

Peer Median: 1.30%

#2244 of 2508 Bottom 10.6% in <100M tier

2237

Member Growth Rate

growth

Value: -6.82%

Peer Median: -1.37%

#2237 of 2508 Bottom 10.8% in <100M tier

2049

First Mortgage Concentration (%)

balance_sheet

Value: 32.78%

Peer Median: 3.66%

#2049 of 2508 Bottom 18.3% in <100M tier

1943

Loan Growth Rate

growth

Value: -9.94%

Peer Median: -2.36%

#1943 of 2508 Bottom 22.6% in <100M tier