BlastPoint's Credit Union Scorecard
NASSAU FINANCIAL
Charter #1404 · NY
NASSAU FINANCIAL has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 34.0% in tier
- + Wallet Share Momentum: Top 69.2% in tier
- + Average Member Relationship (AMR): Top 7.4% in tier
- + Loan-to-Member Ratio (LMR): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 2.5% in tier
- - Membership Headwinds: Bottom 12.0% in tier
- - Stagnation Risk: Bottom 17.9% in tier
- - ROA 0.76% below tier average
- - Efficiency ratio 21.98% above tier (higher cost structure)
- - Member decline: -3.4% YoY
- - Net Worth Ratio: Bottom 0.4% in tier
- - Members Per Employee (MPE): Bottom 6.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,560
-3.4% YoY-0.9% QoQ
|
-1.1K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$331.8M
-0.7% YoY-1.4% QoQ
|
+$100.5M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$217.2M
+8.1% YoY+3.1% QoQ
|
+$69.4M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$317.0M
-0.8% YoY-1.8% QoQ
|
+$116.8M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
85% |
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| ROA |
0.0%
-69.7% YoY+3550.1% QoQ
|
-0.8% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.4% in tier |
| NIM |
3.4%
+6.2% YoY+2.6% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
99.3%
+1.3% YoY-0.7% QoQ
|
+22.0% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.3% in tier |
| Delinquency Rate |
0.5%
-43.9% YoY-17.2% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
68.5%
+9.0% YoY+5.0% QoQ
|
-4.2% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$36,690
+6.3% YoY+1.0% QoQ
|
+$12K |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Top 7.5% in tier |
| CD Concentration |
23.3%
+11.9% YoY+2.7% QoQ
|
-1.1% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.4%
+14.2% YoY-1.1% QoQ
|
-10.6% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)