BlastPoint's Credit Union Scorecard

ACTORS

Charter #15358 · NY

100M-500M

1069 CUs in 100M-500M nationally 54 in NY

ACTORS has 4 strengths but faces 8 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

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Members Per Employee (MPE): Top 3.5% in tier
+ Total Members: Top 6.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.08% below tier average
- Delinquency rate 1.75% above tier average
- First Mortgage Concentration (%): Bottom 1.7% in tier
- AMR Growth Rate: Bottom 3.5% in tier
- Total Delinquency Rate (60+ days): Bottom 3.8% in tier
- Net Interest Margin (NIM): Bottom 5.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	30,294 +4.8% YoY+1.1% QoQ	+14.9K	15,437 -2.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	Top 6.5% in tier
Assets	$332.6M +2.6% YoY+0.3% QoQ	+$100.7M	$231.9M +1.3% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	78%
Loans	$205.6M -5.3% YoY-1.4% QoQ	+$58.3M	$147.3M -0.1% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	76%
Deposits	$296.1M +1.3% YoY-0.2% QoQ	+$95.3M	$200.8M +0.8% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	80%

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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	0.7% +26.5% YoY-4.8% QoQ	-0.1%	0.8% +18.2% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	44%
NIM	2.5% +5.2% YoY-2.1% QoQ	-1.1%	3.6% +6.7% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	Bottom 5.7% in tier
Efficiency Ratio	75.4% -4.8% YoY+0.1% QoQ	-1.6%	77.0% -3.1% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	42%
Delinquency Rate	2.6% +1112.8% YoY-0.9% QoQ	+1.7	0.9% +4.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	Bottom 3.8% in tier
Loan To Share	69.4% -6.6% YoY-1.2% QoQ	-2.8%	72.2% -1.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	41%
AMR	$16,563 -6.0% YoY-1.8% QoQ	$-8K	$24,676 +3.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	15%
CD Concentration	17.9% +6.3% YoY+3.8% QoQ	-6.5%	24.4%	16.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#95 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.76%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#155 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.76%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.69%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#4 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 2.42% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#44 of 208 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.98%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 550.800

Peer Median: -

#38 of 1069 Top 3.5% in 100M-500M tier

Total Members

engagement

Value: 30,294

Peer Median: -

#70 of 1069 Top 6.5% in 100M-500M tier

115

Member Growth Rate

growth

Value: 4.76%

Peer Median: -

#115 of 1069 Top 10.7% in 100M-500M tier

209

Total Deposits

balance_sheet

Value: $296.10M

Peer Median: -

#209 of 1069 Top 19.5% in 100M-500M tier

230

Total Assets

balance_sheet

Value: $332.59M

Peer Median: -

#230 of 1069 Top 21.4% in 100M-500M tier

252

Total Loans

balance_sheet

Value: $205.64M

Peer Median: -

#252 of 1069 Top 23.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1052

First Mortgage Concentration (%)

balance_sheet

Value: 70.35%

Peer Median: -

#1052 of 1069 Bottom 1.7% in 100M-500M tier

1033

AMR Growth Rate

growth

Value: -5.98%

Peer Median: -

#1033 of 1069 Bottom 3.5% in 100M-500M tier

1029

Total Delinquency Rate (60+ days)

risk

Value: 2.64%

Peer Median: -

#1029 of 1069 Bottom 3.8% in 100M-500M tier

1008

Net Interest Margin (NIM)

profitability

Value: 2.48%

Peer Median: -

#1008 of 1069 Bottom 5.8% in 100M-500M tier

953

Loan Growth Rate

growth

Value: -5.35%

Peer Median: -

#953 of 1069 Bottom 10.9% in 100M-500M tier

908

Average Member Relationship (AMR)

engagement

Value: $16,563

Peer Median: -

#908 of 1069 Bottom 15.2% in 100M-500M tier

858

Loan-to-Member Ratio (LMR)

engagement

Value: $6,788

Peer Median: -

#858 of 1069 Bottom 19.8% in 100M-500M tier

853

Net Worth Ratio

risk

Value: 9.49%

Peer Median: -

#853 of 1069 Bottom 20.3% in 100M-500M tier