BlastPoint's Credit Union Scorecard
TOWN OF HEMPSTEAD EMPLOYEES
Charter #15539 · NY
TOWN OF HEMPSTEAD EMPLOYEES has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 78.3% in tier
- + Organic Growth Engine: Top 83.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 60.9% in tier
- - Efficiency Drag: Bottom 62.9% in tier
- - Deposit Outflow: Bottom 94.1% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 5.31% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 0.5% in tier
- - Net Worth Ratio: Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 3.7% in tier
- - Loan-to-Share Ratio: Bottom 4.8% in tier
- - Total Loans: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,657
+1.2% YoY+0.3% QoQ
|
-5.8K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$146.2M
-0.5% YoY-1.1% QoQ
|
$-85.7M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$55.8M
-0.4% YoY+7.4% QoQ
|
$-91.5M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.2% in tier |
| Deposits |
$134.0M
-1.0% YoY-1.4% QoQ
|
$-66.8M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.5%
+142.3% YoY+8.3% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
2.3%
+19.4% YoY+6.3% QoQ
|
-1.3% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
82.3%
-4.9% YoY+0.1% QoQ
|
+5.3% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.6%
-86.5% YoY+252.1% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
41.6%
+0.5% YoY+8.9% QoQ
|
-30.6% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.7% in tier |
| AMR |
$19,655
-2.0% YoY+0.8% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
14.4%
-0.4% YoY+2.0% QoQ
|
-10.0% | 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
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)