BlastPoint's Credit Union Scorecard
MORTON LANE
Charter #15021 · NY
MORTON LANE has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 5.7% in tier
- + Loan-to-Member Ratio (LMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
- - Member decline: -4.1% YoY
- - Indirect Auto Concentration (%): Bottom 8.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -4.3% year over year ($54.7M in shares and deposits).
- Membership: 3,031 members, -4.1% vs a year ago.
- Delinquency rate 0.89%.
- Return on assets 0.35%.
- Efficiency ratio 79.42% vs a 88.77% peer average.
- Loan-to-share ratio 54.25% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,031
-4.1% YoY-1.2% QoQ
|
+445 |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$62.8M
-3.4% YoY-1.6% QoQ
|
+$32.5M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$29.7M
-1.8% YoY-2.7% QoQ
|
+$14.2M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$54.7M
-4.3% YoY-1.9% QoQ
|
+$28.9M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
0.3%
+13.8% YoY+7.8% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
2.7%
+9.7% YoY+1.5% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.3% in tier |
| Efficiency Ratio |
79.4%
-0.7% YoY+1.2% QoQ
|
-9.3% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
47% |
| Delinquency Rate |
0.9%
-15.1% YoY+12.8% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
54.2%
+2.7% YoY-0.8% QoQ
|
-4.6% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$27,831
+0.7% YoY-1.0% QoQ
|
+$13K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 5.7% in tier |
| CD Concentration |
31.4%
+18.9% YoY+4.5% QoQ
|
+6.8% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 11.1% | -2.6% | 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)