BlastPoint's Credit Union Scorecard
PLATTSBURGH CITY SCHOOL DISTRICT
Charter #12873 · NY
PLATTSBURGH CITY SCHOOL DISTRICT has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
- + Net Interest Margin 0.22% above tier average
- + Net Charge-Off Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 6.3% in tier
- - Members Per Employee (MPE): Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
752
-1.3% YoY-0.3% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$8.9M
+6.8% YoY+1.8% QoQ
|
$-21.2M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$6.7M
-4.8% YoY-5.3% QoQ
|
$-9.0M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$7.5M
+6.7% YoY+1.7% QoQ
|
$-18.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
1.0%
+119.0% YoY+10.8% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
4.2%
+7.3% YoY+4.4% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
76.9%
-10.6% YoY-2.1% QoQ
|
-5.7% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.3%
+12.0% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
89.7%
-10.8% YoY-6.9% QoQ
|
+29.1% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 10.2% in tier |
| AMR |
$18,961
+2.3% YoY-1.5% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
42.1%
+3.7% YoY-0.7% QoQ
|
+17.7% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)