BlastPoint's Credit Union Scorecard
NYMEO
Charter #16408 · MD
NYMEO has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 14.1% in tier
- + Wallet Share Momentum: Top 30.6% in tier
- + Net Interest Margin 0.39% above tier average
- + Total Loans: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8.2% in tier
- - Stagnation Risk: Bottom 14.2% in tier
- - Credit Quality Pressure: Bottom 18.0% in tier
- - Membership Headwinds: Bottom 22.3% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 0.78% above tier (higher cost structure)
- - Delinquency rate 0.77% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,166
-1.6% YoY+0.4% QoQ
|
+5.5K |
15,628
-3.4% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$389.8M
+7.6% YoY+5.4% QoQ
|
+$158.5M |
$231.3M
-0.0% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 12.2% in tier |
| Loans |
$276.3M
+12.0% YoY+1.8% QoQ
|
+$128.5M |
$147.8M
-1.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Top 9.3% in tier |
| Deposits |
$330.9M
+4.2% YoY+2.4% QoQ
|
+$130.6M |
$200.3M
-0.0% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 12.8% in tier |
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| ROA |
0.7%
+32.9% YoY-0.3% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
4.0%
+3.3% YoY-2.1% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
78.1%
-2.8% YoY-2.1% QoQ
|
+0.8% |
77.3%
-3.0% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.6%
+8.8% YoY+30.2% QoQ
|
+0.8 |
0.9%
+7.6% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Top 12.0% in tier |
| Loan To Share |
83.5%
+7.5% YoY-0.6% QoQ
|
+10.8% |
72.7%
-1.5% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$28,688
+9.4% YoY+1.7% QoQ
|
+$4K |
$24,363
+2.9% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
79% |
| CD Concentration |
24.7%
+3.6% YoY+2.1% QoQ
|
+0.3% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.4%
-48.8% YoY-14.9% QoQ
|
-12.6% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)