BlastPoint's Credit Union Scorecard
SPECIAL METALS
Charter #14522 · NY
SPECIAL METALS has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 78.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.19% below tier average
- - Efficiency ratio 0.59% above tier (higher cost structure)
- - Delinquency rate 0.03% above tier average
- - AMR Growth Rate: Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 4.3% in tier
- - Loan Growth Rate: Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,813
+78.1% YoY-2.4% QoQ
|
-802 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$22.2M
+8.1% YoY+3.3% QoQ
|
$-8.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$12.5M
-21.5% YoY-7.4% QoQ
|
$-3.3M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$19.5M
+7.9% YoY+4.1% QoQ
|
$-6.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
-0.6%
-170.6% YoY+44.7% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.2% in tier |
| NIM |
3.9%
-0.2% YoY-1.2% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
83.2%
+5.8% YoY+5.5% QoQ
|
+0.6% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.6%
-41.5% YoY-5.8% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
64.0%
-27.3% YoY-11.1% QoQ
|
+3.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$17,630
-47.2% YoY+1.7% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
21.0%
+0.9% YoY-3.8% QoQ
|
-3.4% | 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)