UNION BAPTIST GREENBURGH
Charter #16790 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
UNION BAPTIST GREENBURGH has 5 strengths but faces 14 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 8.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 4.53% below tier average
- - Efficiency ratio 36.69% above tier (higher cost structure)
- - Delinquency rate 18.28% above tier average
- - Member decline: -10.6% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - Total Deposits: Bottom 2.3% in tier
- - Total Assets: Bottom 2.5% in tier
- - Total Loans: Bottom 2.8% in tier
- - Average Member Relationship (AMR): Bottom 3.3% in tier
- - Total Members: Bottom 3.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
- - Member Growth Rate: Bottom 5.3% in tier
- - Loan-to-Share Ratio: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
161
-10.6% YoY-4.2% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 3.3% in tier |
| Assets |
$388,207
-4.5% YoY-2.9% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.5% in tier |
| Loans |
$82,832
-9.5% YoY-5.0% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.7% in tier |
| Deposits |
$284,747
-3.0% YoY-4.4% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.3% in tier |
| ROA |
-3.9%
+33.1% YoY-40.5% QoQ
|
-4.5% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.6% in tier |
| NIM |
3.6%
-30.2% YoY+3.3% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
38th in tier |
| Efficiency Ratio |
118.1%
+15.0% YoY-19.8% QoQ
|
+36.7% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 4.5% in tier |
| Delinquency Rate |
19.8%
-44.0% YoY+8.1% QoQ
|
+18.3 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 1.2% in tier |
| Loan To Share |
29.1%
-6.7% YoY-0.6% QoQ
|
-32.1% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.2% in tier |
| AMR |
$2,283
+6.7% YoY-0.4% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
227
Net Worth Ratio
risk
Value:
26.65%
Peer Avg: 16.43%
#227 of 2596
Top 8.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
479
AMR Growth Rate
growth
Value:
6.69%
Peer Avg: 4.67%
#479 of 2596
Top 18.4% in <100M tier
Top Weaknesses (15 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2565
Total Delinquency Rate (60+ days)
risk
Value:
19.79%
Peer Avg: 1.51%
#2565 of 2596
Bottom 1.2% in <100M tier
2555
Return on Assets (ROA)
profitability
Value:
-3.85%
Peer Avg: 0.68%
#2555 of 2596
Bottom 1.6% in <100M tier
2537
Total Deposits
balance_sheet
Value:
$284,747
Peer Avg: $25.45M
#2537 of 2596
Bottom 2.3% in <100M tier
2532
Total Assets
balance_sheet
Value:
$388,207
Peer Avg: $29.86M
#2532 of 2596
Bottom 2.5% in <100M tier
2525
Total Loans
balance_sheet
Value:
$82,832
Peer Avg: $15.77M
#2525 of 2596
Bottom 2.8% in <100M tier
2512
Average Member Relationship (AMR)
engagement
Value:
$2,283
Peer Avg: $14,627
#2512 of 2596
Bottom 3.3% in <100M tier
2509
Total Members
engagement
Value:
161
Peer Avg: 2,626
#2509 of 2596
Bottom 3.4% in <100M tier
2501
Loan-to-Member Ratio (LMR)
engagement
Value:
$514.48
Peer Avg: $5,488
#2501 of 2596
Bottom 3.7% in <100M tier
2480
Efficiency Ratio
profitability
Value:
118.09%
Peer Avg: 81.39%
#2480 of 2596
Bottom 4.5% in <100M tier