BlastPoint's Credit Union Scorecard
UNION BAPTIST GREENBURGH
Charter #16790 · NY
2556 CUs in <100M nationally
183 in NY
UNION BAPTIST GREENBURGH has 5 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 4.71% below tier average
- - Efficiency ratio 50.98% above tier (higher cost structure)
- - Delinquency rate 16.34% above tier average
- - Member decline: -10.3% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - Total Assets: Bottom 2.0% in tier
- - Total Deposits: Bottom 2.0% in tier
- - Total Loans: Bottom 2.5% in tier
- - Loan Growth Rate: Bottom 2.6% in tier
- - Average Member Relationship (AMR): Bottom 2.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.1% in tier
- - Total Members: Bottom 3.2% in tier
- - Member Growth Rate: Bottom 5.2% in tier
- - Loan-to-Share Ratio: Bottom 7.6% in tier
- - Asset Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
157
-10.3% YoY-2.5% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 3.2% in tier |
| Assets |
$360,160
-7.0% YoY-7.2% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.0% in tier |
| Loans |
$69,173
-28.7% YoY-16.5% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.4% in tier |
| Deposits |
$260,143
-7.6% YoY-8.6% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.0% in tier |
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
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-4.1%
+1.8% YoY+6.2% QoQ
|
-4.7% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.3% in tier |
| NIM |
3.7%
-30.1% YoY+3.7% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
133.5%
+2.0% YoY+13.1% QoQ
|
+51.0% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 2.8% in tier |
| Delinquency Rate |
17.9%
-26.2% YoY-9.6% QoQ
|
+16.3 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 1.2% in tier |
| Loan To Share |
26.6%
-22.8% YoY-8.6% QoQ
|
-34.0% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.5% in tier |
| AMR |
$2,098
-3.1% YoY-8.1% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.9% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
202
Net Worth Ratio
risk
Value:
27.77%
Peer Median: -
#202 of 2556
Top 7.9% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (16 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2527
Total Delinquency Rate (60+ days)
risk
Value:
17.90%
Peer Median: -
#2527 of 2556
Bottom 1.2% in <100M tier
2524
Return on Assets (ROA)
profitability
Value:
-4.09%
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2506
Total Assets
balance_sheet
Value:
$360,160
Peer Median: -
#2506 of 2556
Bottom 2.0% in <100M tier
2506
Total Deposits
balance_sheet
Value:
$260,143
Peer Median: -
#2506 of 2556
Bottom 2.0% in <100M tier
2494
Total Loans
balance_sheet
Value:
$69,173
Peer Median: -
#2494 of 2556
Bottom 2.5% in <100M tier
2491
Loan Growth Rate
growth
Value:
-28.74%
Peer Median: -
#2491 of 2556
Bottom 2.6% in <100M tier
2485
Efficiency Ratio
profitability
Value:
133.54%
Peer Median: -
#2485 of 2556
Bottom 2.8% in <100M tier
2482
Average Member Relationship (AMR)
engagement
Value:
$2,098
Peer Median: -
#2482 of 2556
Bottom 2.9% in <100M tier
2478
Loan-to-Member Ratio (LMR)
engagement
Value:
$440.59
Peer Median: -
#2478 of 2556
Bottom 3.1% in <100M tier