BlastPoint's Credit Union Scorecard

TOWN OF HEMPSTEAD EMPLOYEES

Charter #15539 · NY

1077 CUs in 100M-500M nationally 52 in NY

TOWN OF HEMPSTEAD EMPLOYEES has 6 strengths but faces 13 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 26.0% in tier
+ Organic Growth Engine: Top 26.4% in tier
+ Credit Quality Leader: Top 34.2% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 2.1% in tier
+ Total Delinquency Rate (60+ days): Top 9.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 5.4% in tier
- Efficiency Drag: Bottom 14.1% in tier
- Deposit Outflow: Bottom 85.0% in tier
- ROA 0.36% below tier average
- Efficiency ratio 5.00% above tier (higher cost structure)
- Net Charge-Off Rate: Bottom 0.2% in tier
- Net Worth Ratio: Bottom 1.9% in tier
- Net Interest Margin (NIM): Bottom 3.0% in tier
- Loan Growth Rate: Bottom 3.7% in tier
- Loan-to-Share Ratio: Bottom 3.8% in tier
- AMR Growth Rate: Bottom 4.1% in tier
- Total Loans: Bottom 5.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 8.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	9,632 +1.2% YoY+0.4% QoQ	-6.0K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	28%
Assets	$147.9M -1.3% YoY-0.3% QoQ	$-83.4M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	30%
Loans	$51.9M -9.9% YoY-2.3% QoQ	$-95.9M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	Bottom 5.6% in tier
Deposits	$135.9M -1.7% YoY-0.5% QoQ	$-64.4M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	33%

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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	0.4% +24.4% YoY+9.2% QoQ	-0.4%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	27%
NIM	2.2% +14.5% YoY+9.0% QoQ	-1.4%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	Bottom 2.9% in tier
Efficiency Ratio	82.3% -0.9% YoY+1.5% QoQ	+5.0%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	68%
Delinquency Rate	0.2% -96.1% YoY-81.3% QoQ	-0.7	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	Bottom 9.4% in tier
Loan To Share	38.2% -8.4% YoY-1.9% QoQ	-34.5%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	Bottom 3.7% in tier
AMR	$19,499 -5.3% YoY-1.3% QoQ	$-5K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	32%
CD Concentration	14.1% +0.7% YoY+0.9% QoQ	-10.3%	24.4% +4.2% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#343 of 430 • Top 26.0% in tier

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

Why This Signature

Member Growth (YoY): 1.23%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#485 of 603 • Top 26.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.23%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.43%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Credit Quality Leader

growth

#117 of 340 • Top 34.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.18%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -4.39% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (3)

Shrinking Wallet Share

decline

#55 of 244 • Bottom 5.4% in tier

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

Why This Signature

AMR Growth (YoY): -5.27%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Efficiency Drag

risk

#250 of 521 • Bottom 14.1% in tier

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

Why This Signature

Efficiency Ratio: 82.28%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.08% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 1.23%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Deposit Outflow

decline

#69 of 81 • Bottom 85.0% 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): -1.67%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 1.23%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 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 1077 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 602.000

Peer Avg: -

#24 of 1077 Top 2.1% in 100M-500M tier

102

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Avg: -

#102 of 1077 Top 9.4% in 100M-500M tier

210

Share Certificate Concentration (%)

balance_sheet

Value: 14.15%

Peer Avg: -

#210 of 1077 Top 19.4% in 100M-500M tier

Top Weaknesses (10 metrics)

1076

Net Charge-Off Rate

risk

Value: 3.98%

Peer Avg: -

#1076 of 1077 Bottom 0.2% in 100M-500M tier

1057

Net Worth Ratio

risk

Value: 7.64%

Peer Avg: -

#1057 of 1077 Bottom 1.9% in 100M-500M tier

1046

Net Interest Margin (NIM)

profitability

Value: 2.18%

Peer Avg: -

#1046 of 1077 Bottom 3.0% in 100M-500M tier

1038

Loan Growth Rate

growth

Value: -9.94%

Peer Avg: -

#1038 of 1077 Bottom 3.7% in 100M-500M tier

1037

Loan-to-Share Ratio

balance_sheet

Value: 38.23%

Peer Avg: -

#1037 of 1077 Bottom 3.8% in 100M-500M tier

1034

AMR Growth Rate

growth

Value: -5.27%

Peer Avg: -

#1034 of 1077 Bottom 4.1% in 100M-500M tier

1017

Total Loans

balance_sheet

Value: $51.94M

Peer Avg: -

#1017 of 1077 Bottom 5.7% in 100M-500M tier

990

Loan-to-Member Ratio (LMR)

engagement

Value: $5,392

Peer Avg: -

#990 of 1077 Bottom 8.2% in 100M-500M tier

966

Deposit Growth Rate

growth

Value: -1.67%

Peer Avg: -

#966 of 1077 Bottom 10.4% in 100M-500M tier

938

Asset Growth Rate

growth

Value: -1.28%

Peer Avg: -

#938 of 1077 Bottom 13.0% in 100M-500M tier