BlastPoint's Credit Union Scorecard
SUMA
Charter #16360 · NY
SUMA has 12 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 14.1% in tier
- + Organic Growth Engine: Top 25.1% in tier
- + Relationship Depth Leader: Top 91.0% in tier
- + Strong member growth: 6.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.5% in tier
- + Loan-to-Member Ratio (LMR): Top 0.7% in tier
- + Net Charge-Off Rate: Top 2.0% in tier
- + Total Deposits: Top 3.8% in tier
- + Total Assets: Top 3.9% in tier
- + Total Loans: Top 4.0% in tier
- + Member Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6.2% in tier
- - Credit Quality Pressure: Bottom 9.4% in tier
- - ROA 0.16% below tier average
- - Delinquency rate 1.06% above tier average
- - Net Interest Margin (NIM): Bottom 2.8% in tier
- - First Mortgage Concentration (%): Bottom 3.1% in tier
- - Share Certificate Concentration (%): Bottom 3.2% in tier
- - Members Per Employee (MPE): Bottom 6.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,488
+6.0% YoY+0.7% QoQ
|
-5.9K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$457.6M
+6.3% YoY+1.9% QoQ
|
+$225.7M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 4.0% in tier |
| Loans |
$320.9M
+10.0% YoY+0.7% QoQ
|
+$173.6M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 4.1% in tier |
| Deposits |
$401.2M
+6.4% YoY+2.0% QoQ
|
+$200.4M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 3.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+321.1% YoY-2.0% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
2.2%
+27.3% YoY+1.4% QoQ
|
-1.4% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio |
74.3%
-19.4% YoY+0.1% QoQ
|
-2.8% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
2.0%
+64.0% YoY-8.6% QoQ
|
+1.1 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 7.9% in tier |
| Loan To Share |
80.0%
+3.3% YoY-1.3% QoQ
|
+7.8% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$76,107
+1.9% YoY+0.7% QoQ
|
+$51K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 0.6% in tier |
| CD Concentration |
45.9%
+4.0% YoY+0.6% QoQ
|
+21.5% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)