BlastPoint's Credit Union Scorecard

MOOG EMPLOYEES

Charter #15669 · NY

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

MOOG EMPLOYEES has 10 strengths but faces 7 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

+ Profitability Leader: Top 8.8% in tier
+ Credit Quality Leader: Top 11.2% in tier
+ Relationship Depth Leader: Top 58.6% in tier
+ ROA 1.29% 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 1.7% in tier
+ Total Delinquency Rate (60+ days): Top 3.2% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 5.7% in tier
- Margin Compression: Bottom 6.2% in tier
- Liquidity Overhang: Bottom 7.5% in tier
- Credit Quality Pressure: Bottom 22.5% in tier
- Membership Headwinds: Bottom 29.6% in tier
- First Mortgage Concentration (%): Bottom 1.2% in tier
- Fee Income Per Member: Bottom 1.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	8,635 -0.9% YoY+0.0% QoQ	-7.0K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	20%
Assets	$244.7M +5.6% YoY+0.7% QoQ	+$13.4M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	62%
Loans	$101.5M +0.3% YoY+0.1% QoQ	$-46.3M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	35%
Deposits	$179.6M +4.7% YoY+0.2% QoQ	$-20.7M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	52%

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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	2.1% -10.1% YoY+0.4% QoQ	+1.3%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	Top 2.6% in tier
NIM	3.1% -5.4% YoY-0.6% QoQ	-0.5%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	24%
Efficiency Ratio	35.8% +10.3% YoY-1.7% QoQ	-41.5%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	Bottom 0.4% in tier
Delinquency Rate	0.1% +1023.3% YoY-70.1% QoQ	-0.8	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	Bottom 3.2% in tier
Loan To Share	56.5% -4.3% YoY-0.2% QoQ	-16.2%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	17%
AMR	$32,552 +4.0% YoY+0.1% QoQ	+$8K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	Top 12.1% in tier
CD Concentration	9.8% -11.1% YoY+4.2% QoQ	-14.6%	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)

Profitability Leader

growth

#31 of 340 • Top 8.8% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 2.07%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.23% points

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

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Credit Quality Leader

growth

#39 of 340 • Top 11.2% in tier

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

Why This Signature

Delinquency Rate: 0.07%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.06% points

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

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#151 of 257 • Top 58.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.97%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.3K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#95 of 550 • Bottom 5.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.87%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.25%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.07%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Margin Compression

decline

#27 of 136 • Bottom 6.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 2.07%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 2.31%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.23% points

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

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Liquidity Overhang

risk

#11 of 134 • Bottom 7.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 26.44%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 56.53%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY

Credit Quality Pressure

risk

#558 of 736 • Bottom 22.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.06% points

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

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline

#488 of 550 • Bottom 29.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.87%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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 (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

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

Efficiency Ratio

profitability

Value: 35.82%

Peer Avg: -

#5 of 1077 Top 0.4% in 100M-500M tier

Net Worth Ratio

risk

Value: 26.44%

Peer Avg: -

#8 of 1077 Top 0.6% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 719.583

Peer Avg: -

#9 of 1077 Top 0.7% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Avg: -

#19 of 1077 Top 1.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.07%

Peer Avg: -

#28 of 1077 Top 2.5% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Avg: -

#36 of 1077 Top 3.2% in 100M-500M tier

112

Share Certificate Concentration (%)

balance_sheet

Value: 9.80%

Peer Avg: -

#112 of 1077 Top 10.3% in 100M-500M tier

130

Average Member Relationship (AMR)

engagement

Value: $32,552

Peer Avg: -

#130 of 1077 Top 12.0% in 100M-500M tier

Top Weaknesses (5 metrics)

1065

First Mortgage Concentration (%)

balance_sheet

Value: 74.39%

Peer Avg: -

#1065 of 1077 Bottom 1.2% in 100M-500M tier

1060

Fee Income Per Member

profitability

Value: $35.61

Peer Avg: -

#1060 of 1077 Bottom 1.7% in 100M-500M tier

895

Loan-to-Share Ratio

balance_sheet

Value: 56.53%

Peer Avg: -

#895 of 1077 Bottom 17.0% in 100M-500M tier

859

Total Members

engagement

Value: 8,635

Peer Avg: -

#859 of 1077 Bottom 20.3% in 100M-500M tier

823

Net Interest Margin (NIM)

profitability

Value: 3.11%

Peer Avg: -

#823 of 1077 Bottom 23.7% in 100M-500M tier