BlastPoint's Credit Union Scorecard
STATE CS EMPLOYEES
Charter #16207 · NY
STATE CS EMPLOYEES has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.81% above tier average
- + Asset Growth Rate: Top 2.4% in tier
- + Deposit Growth Rate: Top 2.9% in tier
- + Loan-to-Member Ratio (LMR): Top 3.6% in tier
- + Average Member Relationship (AMR): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 5.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,866
+3.0% YoY+0.8% QoQ
|
+189 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$48.7M
+15.2% YoY+4.8% QoQ
|
+$18.5M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$36.8M
+5.8% YoY+0.7% QoQ
|
+$21.5M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 12.1% in tier |
| Deposits |
$44.1M
+15.9% YoY+5.3% QoQ
|
+$18.4M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
78% |
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| ROA |
1.0%
-47.9% YoY-20.0% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
3.7%
-10.8% YoY-6.6% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
43% |
| Efficiency Ratio |
67.4%
+20.8% YoY-6.3% QoQ
|
-23.3% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
0.5%
+201.7% YoY+29.3% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
83.4%
-8.8% YoY-4.4% QoQ
|
+24.9% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 14.7% in tier |
| AMR |
$28,247
+7.8% YoY+2.3% QoQ
|
+$13K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 5.3% in tier |
| CD Concentration |
43.5%
+9.2% YoY+1.5% QoQ
|
+19.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)