BlastPoint's Credit Union Scorecard
GRIFFITH INSTITUTE EMPLOYEES
Charter #14505 · NY
GRIFFITH INSTITUTE EMPLOYEES faces 3 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Net Interest Margin (NIM): Bottom 2.5% in tier
- - Fee Income Per Member: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
605
+0.5% YoY0% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$6.1M
+2.7% YoY+0.2% QoQ
|
$-24.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$2.6M
+0.9% YoY-7.8% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$5.5M
+2.7% YoY+0.1% QoQ
|
$-20.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
0.2%
+121.2% YoY+256.9% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
1.7%
+23.1% YoY+9.5% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.5% in tier |
| Efficiency Ratio |
77.1%
-14.1% YoY-9.6% QoQ
|
-5.4% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.7%
-65.3% YoY-39.8% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
47.9%
-1.7% YoY-7.9% QoQ
|
-12.7% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$13,400
+1.6% YoY-2.6% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
35.0%
-1.5% YoY+4.1% QoQ
|
+10.6% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)