BlastPoint's Credit Union Scorecard

ACTORS

Charter #15358 · NY

100M-500M

1024 CUs in 100M-500M nationally 55 in NY

ACTORS has 5 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 3.2% in tier
+ Total Members: Top 5.7% in tier
+ Member Growth Rate: Top 9.7% 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
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.76% below tier average
- Efficiency ratio 4.47% above tier (higher cost structure)
- Delinquency rate 1.76% above tier average
- First Mortgage Concentration (%): Bottom 2.1% in tier
- Net Interest Margin (NIM): Bottom 2.8% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
Shares and deposits -0.1% year over year ($296M in shares and deposits).
Membership: 31,306 members, +4.9% vs a year ago.
Delinquency rate 2.64%.
Return on assets 0.11%.
Efficiency ratio 81.20% vs a 76.73% peer average.
Loan-to-share ratio 67.58% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	31,306 +4.9% YoY+1.7% QoQ	+16.1K	15,168 -2.6% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	Top 5.8% in tier
Assets	$331.3M +0.6% YoY-1.0% QoQ	+$99.3M	$232.0M +0.7% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	78%
Loans	$199.8M -4.7% YoY-1.1% QoQ	+$53.5M	$146.3M +0.2% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	75%
Deposits	$295.7M -0.1% YoY-1.0% QoQ	+$95.0M	$200.7M +0.2% YoY	$431.4M +8.2% YoY	$504.8M +10.3% YoY	81%

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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	0.1% -78.5% YoY-50.1% QoQ	-0.8%	0.9% +12.5% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	Bottom 3.8% in tier
NIM	2.3% -5.7% YoY+2.5% QoQ	-1.3%	3.7% +4.5% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	Bottom 2.7% in tier
Efficiency Ratio	81.2% +0.9% YoY-8.6% QoQ	+4.5%	76.7% -0.8% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	62%
Delinquency Rate	2.6% +1048.2% YoY+2.9% QoQ	+1.8	0.9% +6.6% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	Bottom 3.6% in tier
Loan To Share	67.6% -4.7% YoY-0.1% QoQ	-4.0%	71.5% -0.3% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	39%
AMR	$15,827 -6.5% YoY-2.8% QoQ	$-9K	$25,107 +3.2% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	Bottom 12.2% in tier
CD Concentration	16.6% +0.6% YoY-11.5% QoQ	-7.9%	24.6%	16.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.7%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#72 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.86%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#154 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.86%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.11%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (3)

Credit Quality Pressure

risk

#5 of 693 • 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): 2.41% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#35 of 223 • 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): -6.53%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Efficiency Drag

risk

#514 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.20%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.40% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 4.86%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 549.228

Peer Median: 310.924

#34 of 1024 Top 3.2% in 100M-500M tier

Total Members

engagement

Value: 31,306

Peer Median: 13,128

#59 of 1024 Top 5.7% in 100M-500M tier

100

Member Growth Rate

growth

Value: 4.86%

Peer Median: -0.03%

#100 of 1024 Top 9.7% in 100M-500M tier

199

Total Deposits

balance_sheet

Value: $295.67M

Peer Median: $170.77M

#199 of 1024 Top 19.3% in 100M-500M tier

220

Total Assets

balance_sheet

Value: $331.29M

Peer Median: $196.38M

#220 of 1024 Top 21.4% in 100M-500M tier

254

Total Loans

balance_sheet

Value: $199.81M

Peer Median: $124.04M

#254 of 1024 Top 24.7% in 100M-500M tier

Top Weaknesses (12 metrics)

1004

First Mortgage Concentration (%)

balance_sheet

Value: 70.62%

Peer Median: 29.92%

#1004 of 1024 Bottom 2.1% in 100M-500M tier

996

Net Interest Margin (NIM)

profitability

Value: 2.35%

Peer Median: 3.67%

#996 of 1024 Bottom 2.8% in 100M-500M tier

995

AMR Growth Rate

growth

Value: -6.53%

Peer Median: 3.53%

#995 of 1024 Bottom 2.9% in 100M-500M tier

988

Total Delinquency Rate (60+ days)

risk

Value: 2.64%

Peer Median: 0.71%

#988 of 1024 Bottom 3.6% in 100M-500M tier

985

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Median: 0.75%

#985 of 1024 Bottom 3.9% in 100M-500M tier

970

Net Charge-Off Rate

risk

Value: 1.31%

Peer Median: 0.34%

#970 of 1024 Bottom 5.4% in 100M-500M tier

911

Loan Growth Rate

growth

Value: -4.72%

Peer Median: 3.02%

#911 of 1024 Bottom 11.1% in 100M-500M tier

899

Average Member Relationship (AMR)

engagement

Value: $15,827

Peer Median: $23,006

#899 of 1024 Bottom 12.3% in 100M-500M tier

861

Loan-to-Member Ratio (LMR)

engagement

Value: $6,382

Peer Median: $9,434

#861 of 1024 Bottom 16.0% in 100M-500M tier

839

Net Worth Ratio

risk

Value: 9.47%

Peer Median: 11.71%

#839 of 1024 Bottom 18.2% in 100M-500M tier