BlastPoint's Credit Union Scorecard
MOOG EMPLOYEES
Charter #15669 · NY
MOOG EMPLOYEES has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 1.21% above tier average
- + Efficiency Ratio: Top 0.6% in tier
- + Net Worth Ratio: Top 0.7% in tier
- + Members Per Employee (MPE): Top 0.8% in tier
- + Net Charge-Off Rate: Top 8.2% in tier
- + Share Certificate Concentration (%): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - First Mortgage Concentration (%): Bottom 1.1% in tier
- - Fee Income Per Member: Bottom 2.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,606
-0.1% YoY+0.0% QoQ
|
-6.5K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$255.1M
+6.6% YoY+2.1% QoQ
|
+$23.4M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$99.4M
-1.2% YoY-1.0% QoQ
|
$-44.7M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$187.4M
+6.1% YoY+2.1% QoQ
|
$-13.7M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
55% |
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| ROA |
1.9%
-0.5% YoY-4.7% QoQ
|
+1.2% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 4.6% in tier |
| NIM |
3.0%
-2.8% YoY-3.2% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
16% |
| Efficiency Ratio |
37.1%
-4.2% YoY+2.4% QoQ
|
-40.9% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 0.6% in tier |
| Delinquency Rate |
0.3%
+17.1% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
19% |
| Loan To Share |
53.1%
-6.9% YoY-3.1% QoQ
|
-17.4% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.9% in tier |
| AMR |
$33,326
+3.5% YoY+1.0% QoQ
|
+$8K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 12.0% in tier |
| CD Concentration |
9.8%
+11.8% YoY+2.4% QoQ
|
-14.4% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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 (2)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)