BlastPoint's Credit Union Scorecard

CROUSE HINDS EMPLOYEES

Charter #13938 · NY

<100M
2508 CUs in <100M nationally 179 in NY

CROUSE HINDS EMPLOYEES has 4 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.25% above tier average
  • + Net Interest Margin 0.06% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.1% in tier
  • + Members Per Employee (MPE): Top 8.5% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -3.5% YoY

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 578
-3.5% YoY-1.2% QoQ
-2.1K 2,676
+1.6% YoY
27,572
+9.2% YoY
33,913
+5.7% YoY
16%
Assets $6.9M
-1.9% YoY-0.4% QoQ
$-23.3M $30.2M
+1.3% YoY
$497.6M
+8.1% YoY
$578.3M
+9.0% YoY
25%
Loans $2.4M
+0.5% YoY-2.4% QoQ
$-12.9M $15.3M
-2.0% YoY
$329.7M
+7.8% YoY
$402.4M
+8.7% YoY
20%
Deposits $6.1M
-3.4% YoY-0.9% QoQ
$-19.7M $25.8M
+0.7% YoY
$425.1M
+7.9% YoY
$494.3M
+9.1% YoY
26%

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Tier 1
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ROA 1.4%
-5.2% YoY+18.8% QoQ
+1.3% 0.1%
-77.6% YoY
0.7%
-43.8% YoY
0.4%
-39.2% YoY
83%
NIM 4.1%
+20.7% YoY+21.4% QoQ
+0.1% 4.0%
+4.0% YoY
3.5%
-2.6% YoY
3.8%
+4.1% YoY
61%
Efficiency Ratio 59.6%
+12.7% YoY-6.0% QoQ
-31.1% 90.6%
+6.5% YoY
81.8%
+0.3% YoY
84.6%
+2.8% YoY
Top 11.4% in tier
Delinquency Rate 0.0% -1.5 1.5%
+3.8% YoY
1.5%
-10.1% YoY
1.2%
+3.4% YoY
Top 0.1% in tier
Loan To Share 38.9%
+4.0% YoY-1.6% QoQ
-19.6% 58.5%
-3.0% YoY
58.9%
-2.1% YoY
65.6%
-1.4% YoY
20%
AMR $14,651
+1.2% YoY-0.1% QoQ
$-234 $14,884
-1.7% YoY
$19,395
-21.8% YoY
$19,920
+1.6% YoY
54%
CD Concentration 11.8%
-14.5% YoY-0.8% QoQ
-12.5% 24.3% 16.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 2.6% 7.7% 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)

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: 0.65%
#1 of 2508 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
214
Members Per Employee (MPE)
engagement
Value: 578.000
Peer Median: 333.750
#214 of 2508 Top 8.5% in <100M tier
288
Efficiency Ratio
profitability
Value: 59.56%
Peer Median: 81.45%
#288 of 2508 Top 11.4% in <100M tier
436
Return on Assets (ROA)
profitability
Value: 1.40%
Peer Median: 0.61%
#436 of 2508 Top 17.3% in <100M tier
510
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.07%
#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (5 metrics)

2117
Total Members
engagement
Value: 578
Peer Median: 1,918
#2117 of 2508 Bottom 15.6% in <100M tier
2002
Total Loans
balance_sheet
Value: $2.37M
Peer Median: $9.48M
#2002 of 2508 Bottom 20.2% in <100M tier
1993
Loan-to-Share Ratio
balance_sheet
Value: 38.90%
Peer Median: 58.72%
#1993 of 2508 Bottom 20.6% in <100M tier
1958
Fee Income Per Member
profitability
Value: $12.35
Peer Median: $60.42
#1958 of 2508 Bottom 22.0% in <100M tier
1887
Total Assets
balance_sheet
Value: $6.93M
Peer Median: $21.86M
#1887 of 2508 Bottom 24.8% in <100M tier
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