BlastPoint's Credit Union Scorecard
EMPIRT 207
Charter #1343 · NY
EMPIRT 207 has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.02% below tier average
- - Delinquency rate 1.67% above tier average
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 -0.7% year over year ($2.5M in shares and deposits).
- Membership: 808 members, +1.4% vs a year ago.
- Delinquency rate 3.22%.
- Return on assets 0.47%.
- Efficiency ratio 85.17% vs a 88.77% peer average.
- Loan-to-share ratio 83.66% 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 |
808
+1.4% YoY-2.4% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$3.6M
+0.2% YoY-2.5% QoQ
|
$-26.7M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.2% in tier |
| Loans |
$2.1M
+4.3% YoY-0.0% QoQ
|
$-13.4M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$2.5M
-0.7% YoY-3.2% QoQ
|
$-23.3M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+345.2% YoY-33.4% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
2.8%
-52.2% YoY-55.4% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.6% in tier |
| Efficiency Ratio |
85.2%
-9.8% YoY+14.4% QoQ
|
-3.6% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
3.2%
+61.1% YoY+35.4% QoQ
|
+1.7 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.0% in tier |
| Loan To Share |
83.7%
+5.1% YoY+3.3% QoQ
|
+24.8% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$5,678
+0.1% YoY+0.7% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.4% in tier |
| CD Concentration | 0.0% | -24.6% | 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)