BlastPoint's Credit Union Scorecard
PARKS HERITAGE
Charter #16933 · NY
PARKS HERITAGE has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Net Interest Margin 0.19% above tier average
- + AMR Growth Rate: Top 5.0% in tier
- + Asset Growth Rate: Top 8.5% in tier
- + Deposit Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,695
-5.8% YoY0% QoQ
|
+1.0K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$41.9M
+9.2% YoY+3.7% QoQ
|
+$11.7M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
71% |
| Loans |
$23.3M
+3.8% YoY-1.4% QoQ
|
+$8.1M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
76% |
| Deposits |
$35.0M
+9.5% YoY+4.3% QoQ
|
+$9.2M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
0.8%
-43.8% YoY-40.3% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
4.2%
-8.9% YoY-8.0% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
67% |
| Efficiency Ratio |
76.1%
+7.9% YoY+10.7% QoQ
|
-14.6% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
37% |
| Delinquency Rate |
0.2%
+5.4% YoY-37.7% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
66.8%
-5.2% YoY-5.5% QoQ
|
+8.3% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$15,780
+13.7% YoY+2.0% QoQ
|
+$896 |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
23.0%
+27.4% YoY+0.6% QoQ
|
-1.2% | 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)