BlastPoint's Credit Union Scorecard
MOOG EMPLOYEES
Charter #15669 · NY
MOOG EMPLOYEES has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 69.7% in tier
- + ROA 1.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.4% in tier
- + Net Worth Ratio: Top 0.6% in tier
- + Members Per Employee (MPE): Top 0.7% in tier
- + Net Charge-Off Rate: Top 1.1% in tier
- + Share Certificate Concentration (%): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 3.7% in tier
- - Margin Compression: Bottom 18.0% in tier
- - Credit Quality Pressure: Bottom 85.1% in tier
- - First Mortgage Concentration (%): Bottom 1.1% in tier
- - Fee Income Per Member: Bottom 1.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,605
+0.2% YoY-0.3% QoQ
|
-6.8K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$249.9M
+6.9% YoY+2.1% QoQ
|
+$18.0M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$100.5M
-0.8% YoY-1.0% QoQ
|
$-46.9M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$183.5M
+6.5% YoY+2.2% QoQ
|
$-17.3M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
2.0%
-9.2% YoY-1.6% QoQ
|
+1.3% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 2.1% in tier |
| NIM |
3.1%
-5.2% YoY-1.1% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
36.2%
+8.6% YoY+1.1% QoQ
|
-40.8% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.4% in tier |
| Delinquency Rate |
0.2%
+26.4% YoY+224.0% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 10.8% in tier |
| Loan To Share |
54.8%
-6.9% YoY-3.1% QoQ
|
-17.5% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.9% in tier |
| AMR |
$32,995
+3.6% YoY+1.4% QoQ
|
+$8K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 12.1% in tier |
| CD Concentration |
9.6%
+3.8% YoY-1.9% QoQ
|
-14.8% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)