BlastPoint's Credit Union Scorecard

CONSUMERS

Charter #16951 · NY

1077 CUs in 100M-500M nationally 52 in NY

CONSUMERS has 9 strengths but faces 13 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 7.8% in tier
+ Wallet Share Momentum: Top 16.2% in tier
+ Credit Quality Leader: Top 40.1% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Member Ratio (LMR): Top 1.2% in tier
+ Average Member Relationship (AMR): Top 1.7% in tier
+ Loan-to-Share Ratio: Top 2.0% in tier
+ AMR Growth Rate: Top 5.8% in tier
+ Net Charge-Off Rate: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 1.9% in tier
- Liquidity Strain: Bottom 2.7% in tier
- Membership Headwinds: Bottom 4.3% in tier
- Efficiency Drag: Bottom 28.3% in tier
- ROA 0.24% below tier average
- Efficiency ratio 2.96% above tier (higher cost structure)
- Member decline: -6.8% YoY
- Total Members: Bottom 0.7% in tier
- Total Assets: Bottom 1.3% in tier
- Total Deposits: Bottom 1.4% in tier
- First Mortgage Concentration (%): Bottom 3.9% in tier
- Member Growth Rate: Bottom 6.1% in tier
- Net Interest Margin (NIM): Bottom 7.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	3,231 -6.8% YoY-1.6% QoQ	-12.4K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	Bottom 0.6% in tier
Assets	$102.0M +4.1% YoY-1.7% QoQ	$-129.3M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	Bottom 1.2% in tier
Loans	$89.0M +8.7% YoY-0.7% QoQ	$-58.8M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	28%
Deposits	$86.6M +0.7% YoY-2.1% QoQ	$-113.7M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	Bottom 1.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +58.2% YoY+1.9% QoQ	-0.2%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	36%
NIM	2.5% +4.0% YoY+0.4% QoQ	-1.0%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	Bottom 6.9% in tier
Efficiency Ratio	80.2% -7.9% YoY-0.4% QoQ	+3.0%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	62%
Delinquency Rate	0.2% -13.0% YoY+4.8% QoQ	-0.7	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	Bottom 11.0% in tier
Loan To Share	102.8% +8.0% YoY+1.4% QoQ	+30.1%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	Top 2.1% in tier
AMR	$54,344 +12.2% YoY+0.1% QoQ	+$30K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	Top 1.8% in tier
CD Concentration	24.1% +52.3% YoY+4.7% QoQ	-0.3%	24.4% +4.2% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#21 of 257 • Top 7.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 12.16%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $1.3K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#79 of 481 • Top 16.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.16%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Credit Quality Leader

growth

#137 of 340 • Top 40.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.20%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.03% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#32 of 550 • Bottom 1.9% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.75%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 8.71%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.20%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk

#22 of 258 • Bottom 2.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.76%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 8.71%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Membership Headwinds

decline

#72 of 550 • Bottom 4.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.75%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk

#500 of 521 • Bottom 28.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.24%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.20% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -6.75%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $27,542

Peer Avg: -

#14 of 1077 Top 1.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $54,344

Peer Avg: -

#19 of 1077 Top 1.7% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 102.76%

Peer Avg: -

#23 of 1077 Top 2.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.16%

Peer Avg: -

#64 of 1077 Top 5.8% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Avg: -

#93 of 1077 Top 8.5% in 100M-500M tier

119

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Avg: -

#119 of 1077 Top 11.0% in 100M-500M tier

216

Loan Growth Rate

growth

Value: 8.71%

Peer Avg: -

#216 of 1077 Top 20.0% in 100M-500M tier

Top Weaknesses (8 metrics)

1070

Total Members

engagement

Value: 3,231

Peer Avg: -

#1070 of 1077 Bottom 0.7% in 100M-500M tier

1064

Total Assets

balance_sheet

Value: $101.98M

Peer Avg: -

#1064 of 1077 Bottom 1.3% in 100M-500M tier

1063

Total Deposits

balance_sheet

Value: $86.60M

Peer Avg: -

#1063 of 1077 Bottom 1.4% in 100M-500M tier

1036

First Mortgage Concentration (%)

balance_sheet

Value: 65.41%

Peer Avg: -

#1036 of 1077 Bottom 3.9% in 100M-500M tier

1012

Member Growth Rate

growth

Value: -6.75%

Peer Avg: -

#1012 of 1077 Bottom 6.1% in 100M-500M tier

1003

Net Interest Margin (NIM)

profitability

Value: 2.54%

Peer Avg: -

#1003 of 1077 Bottom 7.0% in 100M-500M tier

876

Fee Income Per Member

profitability

Value: $106.76

Peer Avg: -

#876 of 1077 Bottom 18.8% in 100M-500M tier

826

Deposit Growth Rate

growth

Value: 0.66%

Peer Avg: -

#826 of 1077 Bottom 23.4% in 100M-500M tier