BlastPoint's Credit Union Scorecard
AMERICAN BROADCAST EMPLOYEES
Charter #18273 · NY
AMERICAN BROADCAST EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.69% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 2.27% above tier (higher cost structure)
- - Delinquency rate 1.22% above tier average
- - Member decline: -4.2% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,673
-4.2% YoY-0.7% QoQ
|
-8.5K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 9.3% in tier |
| Assets |
$113.6M
+0.3% YoY-3.2% QoQ
|
$-118.1M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.5% in tier |
| Loans |
$70.7M
-2.9% YoY-1.5% QoQ
|
$-73.4M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$95.9M
-1.7% YoY-4.2% QoQ
|
$-105.2M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.7% in tier |
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| ROA |
0.8%
-7.8% YoY-53.9% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
55% |
| NIM |
4.3%
+0.2% YoY-2.0% QoQ
|
+0.7% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 14.0% in tier |
| Efficiency Ratio |
80.3%
+2.8% YoY+19.6% QoQ
|
+2.3% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
57% |
| Delinquency Rate |
2.0%
+6.7% YoY-31.7% QoQ
|
+1.2 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.2% in tier |
| Loan To Share |
73.7%
-1.2% YoY+2.8% QoQ
|
+3.3% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$24,967
+2.0% YoY-2.4% QoQ
|
+$49 |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
61% |
| CD Concentration |
10.4%
+3.6% YoY+1.5% QoQ
|
-13.8% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % |
3.0%
-28.2% YoY-3.7% QoQ
|
-10.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)