BlastPoint's Credit Union Scorecard
EMPIRT 207
Charter #1343 · NY
2596 CUs in <100M nationally
188 in NY
EMPIRT 207 has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.91% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 6.2% in tier
- + Net Worth Ratio: Top 6.8% in tier
- + Member Growth Rate: Top 7.4% in tier
- + Deposit Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency ratio 2.01% above tier (higher cost structure)
- - Delinquency rate 0.88% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
796
+4.6% YoY-0.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$3.7M
+7.6% YoY+2.0% QoQ
|
$-26.2M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
15% |
| Loans |
$2.0M
+14.9% YoY+0.0% QoQ
|
$-13.8M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$2.6M
+10.0% YoY+2.4% QoQ
|
$-22.9M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.0% in tier |
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| ROA |
0.2%
-118.5% YoY+123.3% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
5.8%
+14.9% YoY+1.1% QoQ
|
+1.9% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 4.9% in tier |
| Efficiency Ratio |
83.4%
-31.1% YoY-11.7% QoQ
|
+2.0% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
63% |
| Delinquency Rate |
2.4%
-16.8% YoY+19.5% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
77.7%
+4.4% YoY-2.4% QoQ
|
+16.5% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$5,757
+7.1% YoY+1.5% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 1.1% | -12.9% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (9 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
128
Net Interest Margin (NIM)
profitability
Value:
5.85%
Peer Avg: -
#128 of 2596
Top 4.9% in <100M tier
161
Loan Growth Rate
growth
Value:
14.85%
Peer Avg: -
#161 of 2596
Top 6.2% in <100M tier
177
Net Worth Ratio
risk
Value:
28.79%
Peer Avg: -
#177 of 2596
Top 6.8% in <100M tier
192
Member Growth Rate
growth
Value:
4.60%
Peer Avg: -
#192 of 2596
Top 7.4% in <100M tier
232
Deposit Growth Rate
growth
Value:
9.98%
Peer Avg: -
#232 of 2596
Top 8.9% in <100M tier
369
Asset Growth Rate
growth
Value:
7.64%
Peer Avg: -
#369 of 2596
Top 14.2% in <100M tier
447
AMR Growth Rate
growth
Value:
7.13%
Peer Avg: -
#447 of 2596
Top 17.2% in <100M tier
Top Weaknesses (9 metrics)
2325
Members Per Employee (MPE)
engagement
Value:
159.200
Peer Avg: -
#2325 of 2596
Bottom 10.5% in <100M tier
2305
Average Member Relationship (AMR)
engagement
Value:
$5,757
Peer Avg: -
#2305 of 2596
Bottom 11.2% in <100M tier
2233
Total Deposits
balance_sheet
Value:
$2.58M
Peer Avg: -
#2233 of 2596
Bottom 14.0% in <100M tier
2232
Indirect Auto Concentration (%)
balance_sheet
Value:
1.12%
Peer Avg: -
#2232 of 2596
Bottom 14.1% in <100M tier
2201
Total Assets
balance_sheet
Value:
$3.67M
Peer Avg: -
#2201 of 2596
Bottom 15.3% in <100M tier
2176
Total Delinquency Rate (60+ days)
risk
Value:
2.39%
Peer Avg: -
#2176 of 2596
Bottom 16.2% in <100M tier
2140
Total Loans
balance_sheet
Value:
$2.00M
Peer Avg: -
#2140 of 2596
Bottom 17.6% in <100M tier
2128
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,518
Peer Avg: -
#2128 of 2596
Bottom 18.1% in <100M tier
2002
Total Members
engagement
Value:
796
Peer Avg: -
#2002 of 2596
Bottom 22.9% in <100M tier