BlastPoint's Credit Union Scorecard
SUFFOLK
Charter #17914 · NY
SUFFOLK has 6 strengths but faces 6 concerns
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
- + Organic Growth Leader: Top 5.6% in tier
- + Organic Growth Engine: Top 12.2% in tier
- + Credit Quality Leader: Top 91.5% in tier
- + Strong member growth: 8.2% YoY
- + Member Growth Rate: Top 7.9% in tier
- + Average Member Relationship (AMR): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.7% in tier
- - Credit Quality Pressure: Bottom 14.8% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 5.39% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 4.9% in tier
- - Share Certificate Concentration (%): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
79,176
+8.2% YoY+1.1% QoQ
|
-19.5K |
98,678
-1.9% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
40% |
| Assets |
$2.0B
+6.5% YoY+3.3% QoQ
|
+$288.5M |
$1.7B
+0.5% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$1.3B
+11.9% YoY+2.8% QoQ
|
+$116.3M |
$1.2B
+0.5% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$1.8B
+6.7% YoY+1.6% QoQ
|
+$311.5M |
$1.5B
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
73% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-40.3% YoY+19.6% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
24% |
| NIM |
2.5%
+6.8% YoY+0.5% QoQ
|
-0.8% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.5% in tier |
| Efficiency Ratio |
79.4%
+7.3% YoY-2.6% QoQ
|
+5.4% |
74.0%
-10.9% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.4%
+43.2% YoY-9.7% QoQ
|
-0.4 |
0.8%
+6.1% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
76.4%
+4.8% YoY+1.2% QoQ
|
-8.8% |
85.2%
-0.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$39,345
+0.6% YoY+1.0% QoQ
|
+$10K |
$29,172
+2.8% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Top 9.9% in tier |
| CD Concentration |
43.1%
+5.5% YoY+4.7% QoQ
|
+14.2% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
Top 7.4% in tier |
| Indirect Auto % |
4.1%
-27.0% YoY-7.7% QoQ
|
-14.6% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
23% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)