BlastPoint's Credit Union Scorecard

TCT

Charter #12957 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

TCT has 2 strengths but faces 5 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

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.34% below tier average
- Efficiency ratio 9.84% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	14,607 +1.0% YoY+0.1% QoQ	-538	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	57%
Assets	$292.0M +3.6% YoY+1.5% QoQ	+$60.3M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	72%
Loans	$213.4M -3.1% YoY-2.2% QoQ	+$69.2M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	80%
Deposits	$264.7M +6.0% YoY+2.4% QoQ	+$63.5M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	74%

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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	0.4% +35.7% YoY-24.1% QoQ	-0.3%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	28%
NIM	3.5% +11.0% YoY+3.2% QoQ	-0.2%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	87.9% -2.7% YoY+5.6% QoQ	+9.8%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	79%
Delinquency Rate	0.3% +21.4% YoY-41.9% QoQ	-0.5	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	18%
Loan To Share	80.6% -8.6% YoY-4.5% QoQ	+10.2%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	69%
AMR	$32,728 +0.7% YoY+0.2% QoQ	+$8K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	Top 12.9% in tier
CD Concentration	31.2% +9.3% YoY+2.9% QoQ	+7.0%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#295 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.00%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.39%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#313 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.00%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#79 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.87%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.10% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 1.00%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#602 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

125

Loan-to-Member Ratio (LMR)

engagement

Value: $14,609

Peer Median: $9,356

#125 of 1070 Top 11.6% in 100M-500M tier

138

Average Member Relationship (AMR)

engagement

Value: $32,728

Peer Median: $22,931

#138 of 1070 Top 12.8% in 100M-500M tier

197

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Median: 0.61%

#197 of 1070 Top 18.3% in 100M-500M tier

214

Total Loans

balance_sheet

Value: $213.39M

Peer Median: $121.41M

#214 of 1070 Top 19.9% in 100M-500M tier

Top Weaknesses (6 metrics)

971

Members Per Employee (MPE)

engagement

Value: 221.318

Peer Median: 309.176

#971 of 1070 Bottom 9.3% in 100M-500M tier

894

Loan Growth Rate

growth

Value: -3.12%

Peer Median: 2.93%

#894 of 1070 Bottom 16.5% in 100M-500M tier

850

Efficiency Ratio

profitability

Value: 87.87%

Peer Median: 78.68%

#850 of 1070 Bottom 20.7% in 100M-500M tier

846

Net Worth Ratio

risk

Value: 9.49%

Peer Median: 11.45%

#846 of 1070 Bottom 21.0% in 100M-500M tier

825

First Mortgage Concentration (%)

balance_sheet

Value: 42.95%

Peer Median: 29.47%

#825 of 1070 Bottom 23.0% in 100M-500M tier

813

Share Certificate Concentration (%)

balance_sheet

Value: 31.23%

Peer Median: 23.10%

#813 of 1070 Bottom 24.1% in 100M-500M tier