BlastPoint's Credit Union Scorecard
AFGM ENTERPRISES
Charter #15618 · NY
AFGM ENTERPRISES has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.9% in tier
- + Loan-to-Share Ratio: Top 8.7% in tier
- + Net Worth Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Member decline: -2.2% YoY
- - Loan Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,202
-2.2% YoY-0.1% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$13.0M
+3.2% YoY+4.2% QoQ
|
$-17.2M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$8.8M
-15.7% YoY-3.7% QoQ
|
$-7.0M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$9.6M
+2.3% YoY+5.4% QoQ
|
$-16.1M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
0.5%
-20.6% YoY-62.1% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.9%
-7.0% YoY-4.4% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
76.5%
+3.7% YoY+6.3% QoQ
|
-6.1% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
1.3%
+176.2% YoY-25.1% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
91.7%
-17.6% YoY-8.6% QoQ
|
+31.1% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 8.8% in tier |
| AMR |
$15,259
-5.1% YoY+0.9% QoQ
|
+$476 |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
23.0%
+72.6% YoY+32.3% QoQ
|
-1.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)