BlastPoint's Credit Union Scorecard
ROME
Charter #1810 · NY
ROME has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.01% above tier average
- - Member decline: -3.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,815
-3.3% YoY+0.2% QoQ
|
-810 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$31.3M
+8.2% YoY+0.9% QoQ
|
+$1.4M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
61% |
| Loans |
$15.8M
+0.9% YoY-1.2% QoQ
|
+$49K |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$27.8M
+8.2% YoY+0.7% QoQ
|
+$2.4M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
0.9%
-6.5% YoY+41.9% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
54% |
| NIM |
3.7%
-3.1% YoY+3.6% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
76.4%
+1.0% YoY-3.1% QoQ
|
-5.0% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
45% |
| Delinquency Rate |
3.5%
+198.2% YoY-16.9% QoQ
|
+2.0 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 9.9% in tier |
| Loan To Share |
56.9%
-6.8% YoY-1.9% QoQ
|
-4.4% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$24,040
+9.0% YoY-0.2% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Top 9.6% in tier |
| CD Concentration |
32.1%
+15.5% YoY+4.2% QoQ
|
+7.7% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)