BlastPoint's Credit Union Scorecard
CONSUMERS
Charter #16951 · NY
CONSUMERS has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.1% in tier
- + Average Member Relationship (AMR): Top 1.6% in tier
- + Loan-to-Share Ratio: Top 1.9% in tier
- + AMR Growth Rate: Top 3.6% in tier
- + Total Delinquency Rate (60+ days): Top 6.2% in tier
- + Net Charge-Off Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 7.23% above tier (higher cost structure)
- - Member decline: -6.9% YoY
- - Total Members: Bottom 0.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,178
-6.9% YoY-1.6% QoQ
|
-12.3K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 0.5% in tier |
| Assets |
$105.0M
+8.2% YoY+2.9% QoQ
|
$-126.9M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.2% in tier |
| Loans |
$90.5M
+8.5% YoY+1.7% QoQ
|
$-56.8M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$89.6M
+5.4% YoY+3.4% QoQ
|
$-111.2M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.9% in tier |
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| ROA |
0.4%
+14.5% YoY-23.4% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
2.5%
+4.3% YoY-0.7% QoQ
|
-1.1% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio |
84.2%
-3.0% YoY+5.0% QoQ
|
+7.2% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.1%
-59.7% YoY-38.1% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 6.2% in tier |
| Loan To Share |
101.1%
+3.0% YoY-1.6% QoQ
|
+28.8% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 2.0% in tier |
| AMR |
$56,673
+14.8% YoY+4.3% QoQ
|
+$32K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 1.7% in tier |
| CD Concentration |
26.3%
+41.0% YoY+9.2% QoQ
|
+1.9% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)