BlastPoint's Credit Union Scorecard
TRANSFIGURATION PARISH
Charter #15067 · NY
TRANSFIGURATION PARISH has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 6.16% above tier (higher cost structure)
- - Delinquency rate 3.92% above tier average
- - Net Worth Ratio: Bottom 1.3% in tier
- - First Mortgage Concentration (%): Bottom 1.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,184
0% YoY0% QoQ
|
-431 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$13.0M
-2.7% YoY-6.6% QoQ
|
$-17.2M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$4.8M
-6.5% YoY-3.7% QoQ
|
$-11.0M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$12.1M
-3.3% YoY-6.9% QoQ
|
$-13.6M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.3%
-87.2% YoY-43.5% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
4.6%
-14.0% YoY-2.1% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
88.7%
+35.8% YoY+4.7% QoQ
|
+6.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
5.5%
-43.2% YoY+415.7% QoQ
|
+3.9 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 5.5% in tier |
| Loan To Share |
39.4%
-3.3% YoY+3.4% QoQ
|
-21.2% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$7,728
-4.2% YoY-6.0% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)