BlastPoint's Credit Union Scorecard

VISIONS

Charter #17429 · NY

Large 5B-7B
35 CUs in 5B-7B nationally 1 in NY
View Large leaderboard →

VISIONS has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 96.4% in tier
  • + Organic Growth Engine: Top 100.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 16.7% in tier
  • - Efficiency Drag: Bottom 66.7% in tier
  • - ROA 0.44% below tier average
  • - Efficiency ratio 13.27% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 251,872
+0.9% YoY-0.4% QoQ
 -40.5K 292,342
-2.4% YoY
 26,134
+5.1% YoY
 33,374
+5.7% YoY
 26%
Assets $5.3B
+1.2% YoY+1.7% QoQ
 $-459.0M $5.7B
-0.2% YoY
 $482.3M
+7.4% YoY
 $561.6M
+9.7% YoY
 29%
Loans $3.5B
+0.4% YoY+1.3% QoQ
 $-703.1M $4.2B
-1.6% YoY
 $324.6M
+7.8% YoY
 $397.0M
+8.8% YoY
 Bottom 11.4% in tier
Deposits $4.6B
+2.3% YoY+2.3% QoQ
 $-281.3M $4.8B
+0.4% YoY
 $411.3M
+7.7% YoY
 $477.3M
+9.7% YoY
 43%

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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 0.4%
+258.4% YoY-5.4% QoQ
 -0.4% 0.8%
+27.9% YoY
 0.7%
+147.7% YoY
 0.7%
+15.9% YoY
 Bottom 11.4% in tier
NIM 2.9%
+9.0% YoY+1.1% QoQ
 -0.1% 3.0%
+8.0% YoY
 3.6%
+4.1% YoY
 3.8%
+5.1% YoY
 37%
Efficiency Ratio 80.6%
-9.6% YoY-1.1% QoQ
 +13.3% 67.3%
-3.7% YoY
 80.7%
-3.4% YoY
 79.7%
-3.3% YoY
 Top 8.6% in tier
Delinquency Rate 0.7%
+31.3% YoY-1.2% QoQ
 -0.1 0.8%
+17.5% YoY
 1.6%
-19.7% YoY
 1.3%
-2.1% YoY
 51%
Loan To Share 75.8%
-1.8% YoY-0.9% QoQ
 -10.1% 85.9%
-2.6% YoY
 60.4%
-2.5% YoY
 67.4%
-1.7% YoY
 20%
AMR $31,874
+0.5% YoY+2.2% QoQ
 $-2K $34,289
+3.5% YoY
 $19,178
-21.9% YoY
 $19,687
+2.0% YoY
 54%
CD Concentration 27.6%
+2.0% YoY-0.2% QoQ
 -1.6% 29.1% 16.3% 19.8% 40%
Indirect Auto % 2.7%
-27.6% YoY-9.0% QoQ
 -14.4% 17.1% 2.6% 7.8% 19%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#28 of 29 • Top 96.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.93%
(Tier: 4.35%, National: 4.32%)
but worse than tier avg
Indirect Auto %: 2.68%
(Tier: 17.09%, National: 7.78%)
better than tier avg
29 of 68 Large CUs have this signature | 609 nationally
→ No prior data (29 CUs now) | New qualifier

Organic Growth Engine

growth
#54 of 54 • Top 100.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.93%
(Tier: 4.35%, National: 4.32%)
but worse than tier avg
Return on Assets: 0.38%
(Tier: 0.90%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 2.68%
(Tier: 17.09%, National: 7.78%)
better than tier avg
54 of 68 Large CUs have this signature | 913 nationally
→ No prior data (54 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk
#7 of 37 • Bottom 16.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.16% points
(Tier: 0.04% points, National: 0.06% points)
worse than tier avg
37 of 68 Large CUs have this signature | 969 nationally
→ Stable (41→37 CUs) -4 CUs YoY | New qualifier

Efficiency Drag

risk
#3 of 4 • Bottom 66.7% in tier

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

Why This Signature
Efficiency Ratio: 80.55%
(Tier: 65.89%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.27% points
(Tier: 0.17% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): 0.93%
(Tier: 4.35%, National: 4.32%)
worse than tier avg
4 of 68 Large CUs have this signature | 633 nationally
→ Stable (8→4 CUs) -4 CUs YoY

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)

Comparing against 35 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

33
Efficiency Ratio
profitability
Value: 80.55%
Peer Median: -
#33 of 35 Bottom 8.6% in 5B-7B tier
33
Members Per Employee (MPE)
engagement
Value: 286.544
Peer Median: -
#33 of 35 Bottom 8.6% in 5B-7B tier
31
Return on Assets (ROA)
profitability
Value: 0.38%
Peer Median: -
#31 of 35 Bottom 14.3% in 5B-7B tier
31
Deposit Growth Rate
growth
Value: 2.28%
Peer Median: -
#31 of 35 Bottom 14.3% in 5B-7B tier
31
Total Loans
balance_sheet
Value: $3.46B
Peer Median: -
#31 of 35 Bottom 14.3% in 5B-7B tier
30
Asset Growth Rate
growth
Value: 1.15%
Peer Median: -
#30 of 35 Bottom 17.1% in 5B-7B tier
30
Loan Growth Rate
growth
Value: 0.43%
Peer Median: -
#30 of 35 Bottom 17.1% in 5B-7B tier
28
AMR Growth Rate
growth
Value: 0.54%
Peer Median: -
#28 of 35 Bottom 22.9% in 5B-7B tier
28
Loan-to-Share Ratio
balance_sheet
Value: 75.82%
Peer Median: -
#28 of 35 Bottom 22.9% in 5B-7B tier
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