BlastPoint's Credit Union Scorecard

SCHENECTADY COUNTY EMPLOYEES

Charter #16278 · NY

<100M

2508 CUs in <100M nationally 179 in NY

SCHENECTADY COUNTY EMPLOYEES has 3 strengths but faces 4 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

+ ROA 0.22% above tier average
+ Net Interest Margin 0.57% above tier average
+ Asset Growth Rate: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 2.05% above tier (higher cost structure)
- Delinquency rate 0.35% above tier average
- Member decline: -2.7% YoY
- Net Worth Ratio: Bottom 2.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	645 -2.7% YoY0% QoQ	-2.0K	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	18%
Assets	$5.7M +8.5% YoY+3.7% QoQ	$-24.5M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	21%
Loans	$3.5M -7.2% YoY-1.8% QoQ	$-11.8M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	27%
Deposits	$5.2M +8.5% YoY+3.8% QoQ	$-20.6M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	24%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -9.7% QoQ	+0.2%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	38%
NIM	4.6% -5.6% YoY-6.1% QoQ	+0.6%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	79%
Efficiency Ratio	92.7% +1.2% YoY+6.8% QoQ	+2.1%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	74%
Delinquency Rate	1.9% +549.5% YoY-1.8% QoQ	+0.3	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	79%
Loan To Share	66.7% -14.4% YoY-5.4% QoQ	+8.2%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	62%
AMR	$13,504 +4.5% YoY+1.5% QoQ	$-1K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	48%
CD Concentration	20.3% +18.4% YoY-3.4% QoQ	-4.0%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

251

Asset Growth Rate

growth

Value: 8.53%

Peer Median: 1.30%

#251 of 2508 Top 10.0% in <100M tier

284

Deposit Growth Rate

growth

Value: 8.47%

Peer Median: 0.66%

#284 of 2508 Top 11.3% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

534

Net Interest Margin (NIM)

profitability

Value: 4.58%

Peer Median: 3.83%

#534 of 2508 Top 21.3% in <100M tier

Top Weaknesses (5 metrics)

2451

Net Worth Ratio

risk

Value: 7.11%

Peer Median: 14.28%

#2451 of 2508 Bottom 2.3% in <100M tier

2065

Total Members

engagement

Value: 645

Peer Median: 1,918

#2065 of 2508 Bottom 17.7% in <100M tier

1983

Total Delinquency Rate (60+ days)

risk

Value: 1.85%

Peer Median: 0.65%

#1983 of 2508 Bottom 21.0% in <100M tier

1975

Total Assets

balance_sheet

Value: $5.65M

Peer Median: $21.86M

#1975 of 2508 Bottom 21.3% in <100M tier

1913

Total Deposits

balance_sheet

Value: $5.23M

Peer Median: $18.77M

#1913 of 2508 Bottom 23.8% in <100M tier