BlastPoint's Credit Union Scorecard

TOWN OF HEMPSTEAD EMPLOYEES

Charter #15539 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

TOWN OF HEMPSTEAD EMPLOYEES has 4 strengths but faces 7 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 Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Members Per Employee (MPE): Top 5.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Net Worth Ratio: Bottom 3.5% in tier
- Loan-to-Share Ratio: Bottom 4.9% in tier
- Total Loans: Bottom 9.0% in tier
- Fee Income Per Member: Bottom 9.2% in tier
- Net Interest Margin (NIM): Bottom 10.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	9,703 +1.5% YoY+0.5% QoQ	-5.4K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	31%
Assets	$149.1M -0.5% YoY+2.0% QoQ	$-82.6M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	30%
Loans	$55.2M +3.2% YoY-1.0% QoQ	$-88.9M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	Bottom 8.9% in tier
Deposits	$136.7M -1.4% YoY+2.0% QoQ	$-64.4M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	34%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +672.4% YoY+55.1% QoQ	+0.0%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	52%
NIM	2.8% +44.4% YoY+22.6% QoQ	-0.8%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Bottom 9.9% in tier
Efficiency Ratio	77.8% -18.3% YoY-5.5% QoQ	-0.2%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	47%
Delinquency Rate	0.2% -85.9% YoY-71.2% QoQ	-0.6	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Top 11.5% in tier
Loan To Share	40.4% +4.7% YoY-3.0% QoQ	-30.0%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	Bottom 4.8% in tier
AMR	$19,781 -1.5% YoY+0.6% QoQ	$-5K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	31%
CD Concentration	14.7% -0.7% YoY+2.2% QoQ	-9.5%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#213 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.45%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.72%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#271 of 371 • 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): 1.45%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#155 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.72%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 1.45%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#170 of 238 • 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): -1.55%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

Deposit Outflow

decline

#63 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.41%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 1.45%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 510.684

Peer Median: 309.176

#59 of 1070 Top 5.4% in 100M-500M tier

124

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Median: 0.61%

#124 of 1070 Top 11.5% in 100M-500M tier

228

Share Certificate Concentration (%)

balance_sheet

Value: 14.74%

Peer Median: 23.10%

#228 of 1070 Top 21.2% in 100M-500M tier

Top Weaknesses (9 metrics)

1034

Net Worth Ratio

risk

Value: 8.01%

Peer Median: 11.45%

#1034 of 1070 Bottom 3.5% in 100M-500M tier

1019

Loan-to-Share Ratio

balance_sheet

Value: 40.40%

Peer Median: 71.88%

#1019 of 1070 Bottom 4.9% in 100M-500M tier

975

Total Loans

balance_sheet

Value: $55.23M

Peer Median: $121.41M

#975 of 1070 Bottom 9.0% in 100M-500M tier

973

Fee Income Per Member

profitability

Value: $77.23

Peer Median: $154.95

#973 of 1070 Bottom 9.2% in 100M-500M tier

964

Net Interest Margin (NIM)

profitability

Value: 2.84%

Peer Median: 3.62%

#964 of 1070 Bottom 10.0% in 100M-500M tier

947

Loan-to-Member Ratio (LMR)

engagement

Value: $5,692

Peer Median: $9,356

#947 of 1070 Bottom 11.6% in 100M-500M tier

935

Deposit Growth Rate

growth

Value: -1.41%

Peer Median: 3.30%

#935 of 1070 Bottom 12.7% in 100M-500M tier

932

AMR Growth Rate

growth

Value: -1.55%

Peer Median: 3.46%

#932 of 1070 Bottom 13.0% in 100M-500M tier

923

Asset Growth Rate

growth

Value: -0.55%

Peer Median: 3.91%

#923 of 1070 Bottom 13.8% in 100M-500M tier