BlastPoint's Credit Union Scorecard
ROCKLAND EMPLOYEES
Charter #15080 · NY
ROCKLAND EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.49% above tier average
- + Loan-to-Share Ratio: Top 5.1% in tier
- + Total Members: Top 5.4% in tier
- + Total Loans: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 4.20% above tier (higher cost structure)
- - Delinquency rate 0.96% above tier average
- - Member decline: -3.5% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,046
-3.5% YoY+0.0% QoQ
|
+4.4K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 5.4% in tier |
| Assets |
$53.1M
-1.4% YoY-0.8% QoQ
|
+$22.9M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$42.9M
-1.6% YoY+0.2% QoQ
|
+$27.1M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 8.5% in tier |
| Deposits |
$43.8M
-2.5% YoY-0.7% QoQ
|
+$18.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.5%
-36.7% YoY-38.0% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
7.4%
+0.5% YoY+1.7% QoQ
|
+3.5% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 0.8% in tier |
| Efficiency Ratio |
86.8%
+6.6% YoY+4.0% QoQ
|
+4.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
2.5%
-30.9% YoY+11.6% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
97.8%
+0.9% YoY+0.9% QoQ
|
+37.2% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 5.2% in tier |
| AMR |
$12,306
+1.5% YoY-0.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
1.4%
+14.0% YoY-5.0% QoQ
|
-23.0% | 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)