BlastPoint's Credit Union Scorecard

NASSAU FINANCIAL

Charter #1404 · NY

100M-500M

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

NASSAU FINANCIAL has 3 strengths but faces 8 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Net Charge-Off Rate: Top 3.4% in tier
+ Average Member Relationship (AMR): Top 7.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.95% below tier average
- Efficiency ratio 27.48% above tier (higher cost structure)
- Member decline: -3.0% YoY
- Net Worth Ratio: Bottom 0.3% in tier
- Members Per Employee (MPE): Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	14,275 -3.0% YoY-0.7% QoQ	-870	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	56%
Assets	$336.4M -1.0% YoY+0.6% QoQ	+$104.6M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	79%
Loans	$214.2M +4.4% YoY-0.8% QoQ	+$70.1M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	80%
Deposits	$321.9M -1.4% YoY+1.1% QoQ	+$120.8M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	Top 15.0% in tier

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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	-0.2%	-0.9%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Bottom 4.8% in tier
NIM	3.4% +3.1% YoY-2.6% QoQ	-0.3%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	105.5% +5.6% YoY+6.5% QoQ	+27.5%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Bottom 2.1% in tier
Delinquency Rate	0.4% -41.0% YoY-22.5% QoQ	-0.4	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	29%
Loan To Share	66.5% +5.9% YoY-1.9% QoQ	-3.9%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	39%
AMR	$37,556 +4.0% YoY+1.1% QoQ	+$13K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	Top 7.7% in tier
CD Concentration	24.2% +7.0% YoY-2.5% QoQ	-0.1%	24.3%	16.4%	19.8%	50%
Indirect Auto %	3.0% +4.3% YoY-4.4% QoQ	-10.8%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#160 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.03%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk

#88 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: 105.51%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.23% points

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

worse than tier avg

Member Growth (YoY): -3.03%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

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

↓ Shrinking -84 CUs YoY | Rank worsening

Membership Headwinds

decline

#263 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.03%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#422 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.03%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 4.44%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.38%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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 (6 metrics)

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.35%

#37 of 1070 Top 3.4% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $37,556

Peer Median: $22,931

#82 of 1070 Top 7.6% in 100M-500M tier

119

Loan-to-Member Ratio (LMR)

engagement

Value: $15,006

Peer Median: $9,356

#119 of 1070 Top 11.0% in 100M-500M tier

161

Total Deposits

balance_sheet

Value: $321.90M

Peer Median: $171.29M

#161 of 1070 Top 15.0% in 100M-500M tier

212

Total Loans

balance_sheet

Value: $214.21M

Peer Median: $121.41M

#212 of 1070 Top 19.7% in 100M-500M tier

225

Total Assets

balance_sheet

Value: $336.36M

Peer Median: $196.57M

#225 of 1070 Top 20.9% in 100M-500M tier

Top Weaknesses (7 metrics)

1068

Net Worth Ratio

risk

Value: 6.26%

Peer Median: 11.45%

#1068 of 1070 Bottom 0.3% in 100M-500M tier

1049

Efficiency Ratio

profitability

Value: 105.51%

Peer Median: 78.68%

#1049 of 1070 Bottom 2.1% in 100M-500M tier

1019

Return on Assets (ROA)

profitability

Value: -0.22%

Peer Median: 0.69%

#1019 of 1070 Bottom 4.9% in 100M-500M tier

999

Members Per Employee (MPE)

engagement

Value: 209.926

Peer Median: 309.176

#999 of 1070 Bottom 6.7% in 100M-500M tier

942

Asset Growth Rate

growth

Value: -1.00%

Peer Median: 3.91%

#942 of 1070 Bottom 12.1% in 100M-500M tier

930

Deposit Growth Rate

growth

Value: -1.36%

Peer Median: 3.30%

#930 of 1070 Bottom 13.2% in 100M-500M tier

851

Member Growth Rate

growth

Value: -3.03%

Peer Median: -0.06%

#851 of 1070 Bottom 20.6% in 100M-500M tier