BlastPoint's Credit Union Scorecard

SUMA

Charter #16360 · NY

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

SUMA has 11 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

  • + Organic Growth Leader: Top 3.0% in tier
  • + Organic Growth Engine: Top 5.9% in tier
  • + Strong member growth: 8.0% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 0.5% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.6% in tier
  • + Net Charge-Off Rate: Top 1.0% in tier
  • + Total Loans: Top 4.3% in tier
  • + Total Deposits: Top 4.3% in tier
  • + Total Assets: Top 4.5% in tier
  • + Member Growth Rate: Top 4.7% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.17% below tier average
  • - Delinquency rate 1.28% above tier average
  • - Net Interest Margin (NIM): Bottom 2.8% in tier
  • - First Mortgage Concentration (%): Bottom 2.8% in tier
  • - Share Certificate Concentration (%): Bottom 3.2% in tier
  • - Total Delinquency Rate (60+ days): Bottom 5.0% in tier
  • - Members Per Employee (MPE): Bottom 5.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 9,418
+8.0% YoY+1.4% QoQ
 -6.2K 15,628
-3.4% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 26%
Assets $449.0M
+5.2% YoY+1.0% QoQ
 +$217.7M $231.3M
-0.0% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Top 4.6% in tier
Loans $318.6M
+10.6% YoY+2.9% QoQ
 +$170.8M $147.8M
-1.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 4.4% in tier
Deposits $393.2M
+5.2% YoY+0.9% QoQ
 +$192.9M $200.3M
-0.0% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Top 4.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.6%
+868.0% YoY+21.3% QoQ
 -0.2% 0.8%
+15.5% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 40%
NIM 2.1%
+32.2% YoY+3.3% QoQ
 -1.5% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Bottom 2.7% in tier
Efficiency Ratio 74.2%
-22.9% YoY-4.7% QoQ
 -3.1% 77.3%
-3.0% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 39%
Delinquency Rate 2.1%
-13.6% YoY+12.0% QoQ
 +1.3 0.9%
+7.6% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Top 5.0% in tier
Loan To Share 81.0%
+5.2% YoY+2.0% QoQ
 +8.3% 72.7%
-1.5% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 66%
AMR $75,574
-0.4% YoY+0.4% QoQ
 +$51K $24,363
+2.9% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Top 0.6% in tier
CD Concentration 45.6%
+4.4% YoY+2.1% QoQ
 +21.2% 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 (2)

Organic Growth Leader

growth
#41 of 430 • Top 3.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 7.97%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.97%, National: 7.90%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#109 of 603 • Top 5.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.97%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.61%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.97%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 1077 Top 0.0% in 100M-500M tier
6
Average Member Relationship (AMR)
engagement
Value: $75,574
Peer Avg: -
#6 of 1077 Top 0.5% in 100M-500M tier
8
Loan-to-Member Ratio (LMR)
engagement
Value: $33,827
Peer Avg: -
#8 of 1077 Top 0.6% in 100M-500M tier
12
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: -
#12 of 1077 Top 1.0% in 100M-500M tier
47
Total Loans
balance_sheet
Value: $318.58M
Peer Avg: -
#47 of 1077 Top 4.3% in 100M-500M tier
47
Total Deposits
balance_sheet
Value: $393.17M
Peer Avg: -
#47 of 1077 Top 4.3% in 100M-500M tier
50
Total Assets
balance_sheet
Value: $449.05M
Peer Avg: -
#50 of 1077 Top 4.5% in 100M-500M tier
52
Member Growth Rate
growth
Value: 7.97%
Peer Avg: -
#52 of 1077 Top 4.7% in 100M-500M tier
146
Loan Growth Rate
growth
Value: 10.59%
Peer Avg: -
#146 of 1077 Top 13.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1048
Net Interest Margin (NIM)
profitability
Value: 2.13%
Peer Avg: -
#1048 of 1077 Bottom 2.8% in 100M-500M tier
1048
First Mortgage Concentration (%)
balance_sheet
Value: 68.20%
Peer Avg: -
#1048 of 1077 Bottom 2.8% in 100M-500M tier
1044
Share Certificate Concentration (%)
balance_sheet
Value: 45.63%
Peer Avg: -
#1044 of 1077 Bottom 3.2% in 100M-500M tier
1024
Total Delinquency Rate (60+ days)
risk
Value: 2.14%
Peer Avg: -
#1024 of 1077 Bottom 5.0% in 100M-500M tier
1017
Members Per Employee (MPE)
engagement
Value: 209.289
Peer Avg: -
#1017 of 1077 Bottom 5.7% in 100M-500M tier
873
AMR Growth Rate
growth
Value: -0.41%
Peer Avg: -
#873 of 1077 Bottom 19.0% in 100M-500M tier
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