BlastPoint's Credit Union Scorecard

TRANSFIGURATION PARISH

Charter #15067 · NY

<100M

2508 CUs in <100M nationally 179 in NY

TRANSFIGURATION PARISH has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.34% above tier average

Key Concerns

Areas that may need attention

- ROA 0.78% below tier average
- Efficiency ratio 3.85% above tier (higher cost structure)
- Net Worth Ratio: Bottom 1.3% in tier
- First Mortgage Concentration (%): Bottom 1.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	2,181 -0.1% YoY-0.1% QoQ	-495	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	56%
Assets	$13.2M -1.7% YoY+1.9% QoQ	$-17.0M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	38%
Loans	$4.6M -7.3% YoY-3.3% QoQ	$-10.7M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	32%
Deposits	$12.4M -2.4% YoY+2.1% QoQ	$-13.4M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	41%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.6% -157.5% YoY-303.1% QoQ	-0.8%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Bottom 11.6% in tier
NIM	4.3% -10.1% YoY-5.3% QoQ	+0.3%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	72%
Efficiency Ratio	94.5% +17.7% YoY+6.5% QoQ	+3.9%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	0.1% -99.3% YoY-99.0% QoQ	-1.4	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	18%
Loan To Share	37.3% -5.1% YoY-5.3% QoQ	-21.2%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	19%
AMR	$7,784 -3.7% YoY+0.7% QoQ	$-7K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	18%
CD Concentration	0.0%	-24.3%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	50%

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

462

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: 0.65%

#462 of 2508 Top 18.4% in <100M tier

571

Members Per Employee (MPE)

engagement

Value: 436.200

Peer Median: 333.750

#571 of 2508 Top 22.7% in <100M tier

Top Weaknesses (9 metrics)

2477

Net Worth Ratio

risk

Value: 6.39%

Peer Median: 14.28%

#2477 of 2508 Bottom 1.3% in <100M tier

2473

First Mortgage Concentration (%)

balance_sheet

Value: 77.79%

Peer Median: 3.66%

#2473 of 2508 Bottom 1.4% in <100M tier

2218

Return on Assets (ROA)

profitability

Value: -0.63%

Peer Median: 0.61%

#2218 of 2508 Bottom 11.6% in <100M tier

2183

Net Charge-Off Rate

risk

Value: 1.08%

Peer Median: 0.07%

#2183 of 2508 Bottom 13.0% in <100M tier

2134

Loan-to-Member Ratio (LMR)

engagement

Value: $2,116

Peer Median: $4,923

#2134 of 2508 Bottom 15.0% in <100M tier

2060

Average Member Relationship (AMR)

engagement

Value: $7,784

Peer Median: $13,926

#2060 of 2508 Bottom 17.9% in <100M tier

2031

Loan-to-Share Ratio

balance_sheet

Value: 37.33%

Peer Median: 58.72%

#2031 of 2508 Bottom 19.1% in <100M tier

1962

AMR Growth Rate

growth

Value: -3.65%

Peer Median: 1.27%

#1962 of 2508 Bottom 21.8% in <100M tier

1933

Efficiency Ratio

profitability

Value: 94.49%

Peer Median: 81.45%

#1933 of 2508 Bottom 23.0% in <100M tier