BlastPoint's Credit Union Scorecard
PLATTSBURGH CITY SCHOOL DISTRICT
Charter #12873 · NY
PLATTSBURGH CITY SCHOOL DISTRICT has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.13% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Share Certificate Concentration (%): Bottom 8.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits +4.0% year over year ($7.9M in shares and deposits).
- Membership: 754 members, +0.4% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 1.09%.
- Efficiency ratio 73.02% vs a 88.77% peer average.
- Loan-to-share ratio 83.33% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
754
+0.4% YoY+0.3% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$9.4M
+4.6% YoY+1.2% QoQ
|
$-20.9M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$6.6M
-5.9% YoY-0.2% QoQ
|
$-8.9M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$7.9M
+4.0% YoY+1.2% QoQ
|
$-17.9M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
31% |
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| ROA |
1.1%
+49.9% YoY+10.4% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
4.0%
+1.4% YoY-0.2% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
73.0%
-10.9% YoY-3.3% QoQ
|
-15.7% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
0.3%
+5.6% YoY-65.3% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
83.3%
-9.5% YoY-1.4% QoQ
|
+24.4% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$19,259
-1.2% YoY+0.3% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
39.1%
-5.7% YoY-3.7% QoQ
|
+14.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)