BlastPoint's Credit Union Scorecard
MORTON LANE
Charter #15021 · NY
MORTON LANE has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Average Member Relationship (AMR): Top 5.3% in tier
- + Loan-to-Member Ratio (LMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.5% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,068
-4.5% YoY-1.5% QoQ
|
+391 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
69% |
| Assets |
$63.8M
-2.2% YoY-2.5% QoQ
|
+$33.6M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
85% |
| Loans |
$30.5M
+2.8% YoY-0.8% QoQ
|
+$15.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$55.7M
-3.0% YoY-3.0% QoQ
|
+$30.0M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Top 14.9% in tier |
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| ROA |
0.3%
+5.5% YoY+4.7% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
36% |
| NIM |
2.7%
+9.6% YoY+7.0% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 10.6% in tier |
| Efficiency Ratio |
78.5%
-4.8% YoY-4.9% QoQ
|
-12.1% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate |
0.8%
-7.1% YoY-60.5% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
57% |
| Loan To Share |
54.7%
+6.0% YoY+2.3% QoQ
|
-3.8% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
44% |
| AMR |
$28,100
+3.7% YoY-0.7% QoQ
|
+$13K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 5.4% in tier |
| CD Concentration |
30.0%
+15.9% YoY+7.3% QoQ
|
+5.7% | 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)