BlastPoint's Credit Union Scorecard
ROCKLAND EMPLOYEES
Charter #15080 · NY
ROCKLAND EMPLOYEES has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.14% above tier average
- + Total Members: Top 5.3% in tier
- + Loan-to-Share Ratio: Top 5.5% in tier
- + Total Loans: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.39% above tier average
- - Member decline: -4.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,982
-4.2% YoY-0.9% QoQ
|
+4.3K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 5.3% in tier |
| Assets |
$53.8M
-2.4% YoY+1.4% QoQ
|
+$23.6M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
79% |
| Loans |
$41.9M
-2.3% YoY-2.3% QoQ
|
+$26.6M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 8.3% in tier |
| Deposits |
$44.6M
-3.2% YoY+1.6% QoQ
|
+$18.8M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
78% |
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| ROA |
0.1%
-87.5% YoY-77.0% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
7.1%
-0.8% YoY-4.0% QoQ
|
+3.1% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
90.4%
+10.4% YoY+4.2% QoQ
|
-0.2% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
3.9%
+32.7% YoY+54.8% QoQ
|
+2.4 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.1% in tier |
| Loan To Share |
94.0%
+0.9% YoY-3.9% QoQ
|
+35.5% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 5.6% in tier |
| AMR |
$12,383
+1.5% YoY+0.6% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration |
1.4%
-0.9% YoY-1.2% QoQ
|
-22.9% | 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)