BlastPoint's Credit Union Scorecard
UNION BAPTIST GREENBURGH
Charter #16790 · NY
UNION BAPTIST GREENBURGH has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - ROA 4.19% below tier average
- - Efficiency ratio 126.56% above tier (higher cost structure)
- - Delinquency rate 19.73% above tier average
- - Member decline: -10.5% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 1.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- - Asset Growth Rate: Bottom 1.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
153
-10.5% YoY-2.5% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 3.1% in tier |
| Assets |
$328,300
-19.5% YoY-8.8% QoQ
|
$-29.9M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.7% in tier |
| Loans |
$58,302
-32.4% YoY-15.7% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.2% in tier |
| Deposits |
$231,601
-23.8% YoY-11.0% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.7% in tier |
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| ROA |
-4.0%
-60.8% YoY-1.1% QoQ
|
-4.2% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.4% in tier |
| NIM |
3.0%
-28.2% YoY-20.7% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
17% |
| Efficiency Ratio |
217.2%
+55.6% YoY+62.6% QoQ
|
+126.6% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.4% in tier |
| Delinquency Rate |
21.2%
-0.6% YoY+18.6% QoQ
|
+19.7 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.0% in tier |
| Loan To Share |
25.2%
-11.3% YoY-5.3% QoQ
|
-33.3% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.4% in tier |
| AMR |
$1,895
-17.0% YoY-9.7% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)