BlastPoint's Credit Union Scorecard

SUFFOLK

Charter #17914 · NY

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 13 in NY

View Mid-Market leaderboard →

SUFFOLK has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market 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 44.0% in tier
+ Organic Growth Engine: Top 61.4% in tier
+ Relationship Depth Leader: Top 84.4% in tier
+ Average Member Relationship (AMR): Top 8.9% in tier
+ Net Charge-Off Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 28.2% in tier
- Credit Quality Pressure: Bottom 59.5% in tier
- ROA 0.26% below tier average
- Efficiency ratio 4.66% above tier (higher cost structure)
- Net Worth Ratio: Bottom 6.3% in tier
- Share Certificate Concentration (%): Bottom 7.6% in tier
- Net Interest Margin (NIM): Bottom 8.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	77,768 +4.4% YoY-1.8% QoQ	-19.7K	97,431 -2.4% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	38%
Assets	$2.0B +7.0% YoY+1.1% QoQ	+$307.2M	$1.7B +0.9% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	69%
Loans	$1.4B +11.3% YoY+1.9% QoQ	+$140.3M	$1.2B +0.5% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	67%
Deposits	$1.8B +4.7% YoY+1.3% QoQ	+$330.3M	$1.5B +0.9% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	74%

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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% -33.4% YoY+1.3% QoQ	-0.3%	0.7% +20.9% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	26%
NIM	2.5% +7.8% YoY-0.9% QoQ	-0.8%	3.3% +9.2% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	Bottom 8.6% in tier
Efficiency Ratio	78.7% +4.0% YoY-0.8% QoQ	+4.7%	74.1% -9.5% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	69%
Delinquency Rate	0.5% +22.7% YoY+30.8% QoQ	-0.4	0.9% +6.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	30%
Loan To Share	76.8% +6.3% YoY+0.5% QoQ	-8.0%	84.8% -0.8% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	26%
AMR	$40,690 +2.9% YoY+3.4% QoQ	+$11K	$29,428 +2.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	Top 9.3% in tier
CD Concentration	42.0% +0.6% YoY-2.6% QoQ	+13.0%	29.0%	16.3%	19.8%	Top 9.0% in tier
Indirect Auto %	3.7% -29.7% YoY-9.5% QoQ	-14.6%	18.3%	2.6%	7.8%	22%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#63 of 142 • Top 44.0% in tier

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

Why This Signature

Member Growth (YoY): 4.44%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Indirect Auto %: 3.75%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth

#152 of 247 • Top 61.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.44%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 0.43%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 3.75%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Relationship Depth Leader

growth

#55 of 65 • Top 84.4% 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): 2.94%

(Tier: 3.31%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $3.9K

(Tier: $3.2K, National: $2.0K)

better than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (2)

Credit Risk Growth

risk

#47 of 164 • Bottom 28.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.34%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Credit Quality Pressure

risk

#126 of 211 • Bottom 59.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

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 302 peers in tier

Top Strengths (6 metrics)

Average Member Relationship (AMR)

engagement

Value: $40,690

Peer Median: -

#28 of 302 Top 8.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.16%

Peer Median: -

#31 of 302 Top 9.9% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,678

Peer Median: -

#32 of 302 Top 10.3% in 1B-3B tier

Loan Growth Rate

growth

Value: 11.34%

Peer Median: -

#46 of 302 Top 14.9% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 3.75%

Peer Median: -

#75 of 302 Top 24.5% in 1B-3B tier

Member Growth Rate

growth

Value: 4.44%

Peer Median: -

#76 of 302 Top 24.8% in 1B-3B tier

Top Weaknesses (3 metrics)

284

Net Worth Ratio

risk

Value: 8.54%

Peer Median: -

#284 of 302 Bottom 6.3% in 1B-3B tier

280

Share Certificate Concentration (%)

balance_sheet

Value: 42.03%

Peer Median: -

#280 of 302 Bottom 7.6% in 1B-3B tier

276

Net Interest Margin (NIM)

profitability

Value: 2.48%

Peer Median: -

#276 of 302 Bottom 8.9% in 1B-3B tier