BlastPoint's Credit Union Scorecard
TRANSFIGURATION PARISH
Charter #15067 · NY
TRANSFIGURATION PARISH has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.76% 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 0.13% below tier average
- - Efficiency ratio 3.37% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 0.9% in tier
- - First Mortgage Concentration (%): Bottom 1.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,184
0% YoY0% QoQ
|
-441 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$13.9M
-4.3% YoY+9.2% QoQ
|
$-16.0M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$5.0M
-5.9% YoY+2.8% QoQ
|
$-10.8M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$13.0M
-5.9% YoY+9.6% QoQ
|
$-12.5M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
42% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-70.4% YoY+25.1% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
4.7%
-10.5% YoY-3.4% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
84.8%
+20.8% YoY-6.6% QoQ
|
+3.4% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
1.1%
-88.9% YoY-87.7% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
38.1%
-0.0% YoY-6.2% QoQ
|
-23.1% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$8,220
-5.9% YoY+7.6% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)