BlastPoint's Credit Union Scorecard
SPECIAL METALS
Charter #14522 · NY
SPECIAL METALS faces 4 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 1.08% below tier average
- - Member decline: -8.4% YoY
- - Loan Growth Rate: Bottom 4.3% in tier
- - Member Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,740
-8.4% YoY-1.5% QoQ
|
-845 |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$22.1M
-0.5% YoY-6.4% QoQ
|
$-8.1M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$11.0M
-24.4% YoY-4.1% QoQ
|
$-4.5M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
54% |
| Deposits |
$19.5M
+0.9% YoY-7.3% QoQ
|
$-6.3M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
0.4%
-58.2% YoY-128.5% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
3.4%
-13.8% YoY+4.9% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
87.6%
+11.5% YoY+3.4% QoQ
|
-1.1% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
1.2%
-84.3% YoY+6.2% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
56.2%
-25.0% YoY+3.4% QoQ
|
-2.7% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$17,520
-1.7% YoY-4.7% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
67% |
| CD Concentration |
19.5%
-13.0% YoY-0.1% QoQ
|
-5.1% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)