BlastPoint's Credit Union Scorecard
VISIONS
Charter #17429 · NY
VISIONS faces 14 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 8.2% in tier
- - Efficiency Drag: Bottom 9.5% in tier
- - Membership Headwinds: Bottom 30.4% in tier
- - Stagnation Risk: Bottom 39.1% in tier
- - Institutional Decline: Bottom 44.4% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 13.30% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Member decline: -2.2% YoY
- - Member Growth Rate: Bottom 8.8% in tier
- - Asset Growth Rate: Bottom 8.8% in tier
- - Loan Growth Rate: Bottom 8.8% in tier
- - Deposit Growth Rate: Bottom 8.8% in tier
- - Members Per Employee (MPE): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
252,760
-2.2% YoY+0.3% QoQ
|
-37.0K |
289,724
-2.8% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$5.2B
-1.2% YoY-1.5% QoQ
|
$-595.3M |
$5.8B
+0.2% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$3.4B
-2.8% YoY+1.0% QoQ
|
$-666.1M |
$4.1B
-3.1% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.7% in tier |
| Deposits |
$4.5B
+1.0% YoY-1.5% QoQ
|
$-422.8M |
$4.9B
+2.2% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
0.4%
+219.8% YoY+12.0% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.8% in tier |
| NIM |
2.9%
+10.4% YoY+3.1% QoQ
|
-0.0% |
2.9%
+3.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
81.4%
-9.3% YoY-0.0% QoQ
|
+13.3% |
68.1%
-1.7% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 8.8% in tier |
| Delinquency Rate |
0.7%
+27.5% YoY-4.9% QoQ
|
+0.1 |
0.6%
-2.2% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
76.5%
-3.8% YoY+2.5% QoQ
|
-7.1% |
83.6%
-5.7% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$31,183
+1.6% YoY-0.8% QoQ
|
$-3K |
$34,398
+4.0% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
27.6%
+1.5% YoY+1.6% QoQ
|
-1.2% |
28.9%
-1.3% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
45% |
| Indirect Auto % |
2.9%
-27.2% YoY-6.3% QoQ
|
-13.7% |
16.6%
-10.3% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
20% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)