BlastPoint's Credit Union Scorecard
SPECIAL METALS
Charter #14522 · NY
SPECIAL METALS has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.58% below tier average
- - Member decline: -7.7% YoY
- - Net Charge-Off Rate: Bottom 3.7% in tier
- - Loan Growth Rate: Bottom 4.3% in tier
- - Member Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,767
-7.7% YoY-2.5% QoQ
|
-909 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$23.6M
+8.3% YoY+6.7% QoQ
|
$-6.6M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$11.4M
-23.7% YoY-8.3% QoQ
|
$-3.8M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$21.1M
+9.3% YoY+8.0% QoQ
|
$-4.7M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
-1.4%
-212.9% YoY+151.4% QoQ
|
-1.6% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.5% in tier |
| NIM |
3.2%
-23.6% YoY-17.3% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
84.8%
+13.8% YoY+1.9% QoQ
|
-5.9% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
57% |
| Delinquency Rate |
1.1%
-65.7% YoY-29.7% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
54.3%
-30.2% YoY-15.1% QoQ
|
-4.2% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
44% |
| AMR |
$18,386
+2.8% YoY+4.3% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
19.5%
+3.8% YoY-7.4% QoQ
|
-4.8% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)