BlastPoint's Credit Union Scorecard
VISIONS
Charter #17429 · NY
VISIONS faces 5 concerns requiring attention
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 65.6% in tier
- - Credit Risk Growth: Bottom 79.7% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 11.06% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
251,746
+0.5% YoY-0.1% QoQ
|
-56.0K |
307,793
+7.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$5.3B
-1.0% YoY-0.7% QoQ
|
$-519.8M |
$5.8B
-0.2% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$3.5B
+1.9% YoY-0.1% QoQ
|
$-697.8M |
$4.2B
+0.4% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.5% in tier |
| Deposits |
$4.6B
+2.2% YoY+1.3% QoQ
|
$-271.0M |
$4.9B
+0.2% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
0.6%
+24.7% YoY+54.4% QoQ
|
-0.3% |
0.9%
+47.0% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
30% |
| NIM |
3.0%
+11.3% YoY+4.7% QoQ
|
-0.1% |
3.2%
+9.8% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
40% |
| Efficiency Ratio |
77.6%
-2.7% YoY-3.6% QoQ
|
+11.1% |
66.6%
-11.0% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
81% |
| Delinquency Rate |
0.6%
+0.1% YoY-6.2% QoQ
|
-0.1 |
0.7%
+23.3% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
74.8%
-0.3% YoY-1.4% QoQ
|
-10.0% |
84.7%
-0.7% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
19% |
| AMR |
$32,103
+1.6% YoY+0.7% QoQ
|
$-135 |
$32,237
-7.3% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
57% |
| CD Concentration |
27.0%
+1.7% YoY-1.9% QoQ
|
-1.6% | 28.6% | 16.4% | 19.8% | 41% |
| Indirect Auto % |
2.5%
-25.5% YoY-5.5% QoQ
|
-13.8% | 16.4% | 2.6% | 7.7% | 20% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)