SPECIAL METALS
Charter #14522 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
SPECIAL METALS has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 72.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.3% in tier
- + Deposit Growth Rate: Top 0.3% in tier
- + Asset Growth Rate: Top 0.4% in tier
- + Loan Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.08% below tier average
- - Delinquency rate 0.17% above tier average
- - AMR Growth Rate: Bottom 1.8% in tier
- - Net Charge-Off Rate: Bottom 2.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,858
+72.4% YoY-2.2% QoQ
|
-767 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
48th in tier |
| Assets |
$21.5M
+51.5% YoY-3.6% QoQ
|
$-8.4M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
50th in tier |
| Loans |
$13.5M
+15.9% YoY-7.0% QoQ
|
$-2.3M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
58th in tier |
| Deposits |
$18.7M
+50.0% YoY-3.2% QoQ
|
$-6.7M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
51st in tier |
| ROA |
-0.4%
-145.1% YoY-140.3% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.9% in tier |
| NIM |
3.9%
-4.3% YoY+0.6% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
51st in tier |
| Efficiency Ratio |
78.8%
+1.7% YoY+0.3% QoQ
|
-2.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
51st in tier |
| Delinquency Rate |
1.7%
-40.3% YoY-77.7% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 25.0% in tier |
| Loan To Share |
71.9%
-22.7% YoY-4.0% QoQ
|
+10.7% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
65th in tier |
| AMR |
$17,332
-22.5% YoY-2.7% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
68th in tier |
| CD Concentration |
21.9%
+5.8% YoY-2.3% QoQ
|
-2.6% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
9
Member Growth Rate
growth
Value:
72.36%
Peer Avg: 14.92%
#9 of 2596
Top 0.3% in <100M tier
10
Deposit Growth Rate
growth
Value:
50.02%
Peer Avg: 16.80%
#10 of 2596
Top 0.3% in <100M tier
12
Asset Growth Rate
growth
Value:
51.46%
Peer Avg: 1.82%
#12 of 2596
Top 0.4% in <100M tier
139
Loan Growth Rate
growth
Value:
15.90%
Peer Avg: 59.01%
#139 of 2596
Top 5.3% in <100M tier
619
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,252
Peer Avg: $5,488
#619 of 2596
Top 23.8% in <100M tier
Top Weaknesses (4 metrics)
2551
AMR Growth Rate
growth
Value:
-22.51%
Peer Avg: 4.67%
#2551 of 2596
Bottom 1.8% in <100M tier
2524
Net Charge-Off Rate
risk
Value:
3.17%
Peer Avg: 0.57%
#2524 of 2596
Bottom 2.8% in <100M tier
2338
Return on Assets (ROA)
profitability
Value:
-0.39%
Peer Avg: 0.68%
#2338 of 2596
Bottom 10.0% in <100M tier
1949
Total Delinquency Rate (60+ days)
risk
Value:
1.68%
Peer Avg: 1.51%
#1949 of 2596
Bottom 25.0% in <100M tier