BlastPoint's Credit Union Scorecard
STATE CS EMPLOYEES
Charter #16207 · NY
STATE CS EMPLOYEES has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 3.2% in tier
- + Asset Growth Rate: Top 3.7% in tier
- + Deposit Growth Rate: Top 4.3% in tier
- + Average Member Relationship (AMR): Top 5.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Share Certificate Concentration (%): Bottom 5.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits +13.7% year over year ($44.7M in shares and deposits).
- Membership: 2,916 members, +3.3% vs a year ago.
- Delinquency rate 0.77%.
- Return on assets 1.35%.
- Efficiency ratio 64.32% vs a 88.77% peer average.
- Loan-to-share ratio 87.00% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,916
+3.3% YoY+1.7% QoQ
|
+330 |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$49.4M
+13.3% YoY+1.6% QoQ
|
+$19.2M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
77% |
| Loans |
$38.9M
+9.5% YoY+5.7% QoQ
|
+$23.4M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 10.9% in tier |
| Deposits |
$44.7M
+13.7% YoY+1.3% QoQ
|
+$18.9M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
1.4%
-31.4% YoY+41.0% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
3.8%
-6.1% YoY+3.7% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
64.3%
+13.7% YoY-4.5% QoQ
|
-24.4% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
0.8%
+54.6% YoY+41.0% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
87.0%
-3.7% YoY+4.3% QoQ
|
+28.1% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 11.9% in tier |
| AMR |
$28,677
+8.2% YoY+1.5% QoQ
|
+$14K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 5.6% in tier |
| CD Concentration |
44.7%
+14.1% YoY+2.8% QoQ
|
+20.2% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)