BlastPoint's Credit Union Scorecard

AMERICAN BROADCAST EMPLOYEES

Charter #18273 · NY

100M-500M

1024 CUs in 100M-500M nationally 55 in NY

AMERICAN BROADCAST EMPLOYEES has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.71% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.05% below tier average
- Efficiency ratio 2.97% above tier (higher cost structure)
- Delinquency rate 0.32% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
Shares and deposits -3.9% year over year ($93.9M in shares and deposits).
Membership: 6,599 members, -4.1% vs a year ago.
Delinquency rate 1.20%.
Return on assets 0.81%.
Efficiency ratio 79.71% vs a 76.73% peer average.
Loan-to-share ratio 74.99% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	6,599 -4.1% YoY-1.1% QoQ	-8.6K	15,168 -2.6% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	Bottom 9.8% in tier
Assets	$111.5M -2.7% YoY-1.9% QoQ	$-120.5M	$232.0M +0.7% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	Bottom 7.4% in tier
Loans	$70.4M -3.2% YoY-0.4% QoQ	$-75.9M	$146.3M +0.2% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	17%
Deposits	$93.9M -3.9% YoY-2.1% QoQ	$-106.8M	$200.7M +0.2% YoY	$431.4M +8.2% YoY	$504.8M +10.3% YoY	Bottom 6.1% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% -63.0% YoY+6.5% QoQ	-0.1%	0.9% +12.5% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	54%
NIM	4.4% -0.7% YoY+1.8% QoQ	+0.7%	3.7% +4.5% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	Top 13.1% in tier
Efficiency Ratio	79.7% +29.0% YoY-0.7% QoQ	+3.0%	76.7% -0.8% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	56%
Delinquency Rate	1.2% -39.2% YoY-40.0% QoQ	+0.3	0.9% +6.6% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	78%
Loan To Share	75.0% +0.7% YoY+1.7% QoQ	+3.5%	71.5% -0.3% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	53%
AMR	$24,892 +0.5% YoY-0.3% QoQ	$-215	$25,107 +3.2% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	60%
CD Concentration	10.5% +4.2% YoY+0.8% QoQ	-14.0%	24.6%	16.4%	20.0%	50%
Indirect Auto %	2.6% -34.3% YoY-13.8% QoQ	-11.0%	13.6%	2.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#72 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.14%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.23%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.20%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Cost Spiral

risk

#19 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 17.94% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 61.76%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Membership Headwinds

decline

#166 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.14%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Margin Compression

decline

#86 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.81%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 2.19%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -1.38% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Institutional Decline

decline

#157 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $111.48M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -4.14%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.23%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (3 metrics)

112

Share Certificate Concentration (%)

balance_sheet

Value: 10.52%

Peer Median: 23.39%

#112 of 1024 Top 10.8% in 100M-500M tier

134

Net Interest Margin (NIM)

profitability

Value: 4.40%

Peer Median: 3.67%

#134 of 1024 Top 13.0% in 100M-500M tier

183

Net Worth Ratio

risk

Value: 14.90%

Peer Median: 11.71%

#183 of 1024 Top 17.8% in 100M-500M tier

Top Weaknesses (13 metrics)

973

Deposit Growth Rate

growth

Value: -3.92%

Peer Median: 3.58%

#973 of 1024 Bottom 5.1% in 100M-500M tier

962

Total Deposits

balance_sheet

Value: $93.87M

Peer Median: $170.77M

#962 of 1024 Bottom 6.2% in 100M-500M tier

959

Asset Growth Rate

growth

Value: -2.72%

Peer Median: 4.12%

#959 of 1024 Bottom 6.4% in 100M-500M tier

948

Total Assets

balance_sheet

Value: $111.48M

Peer Median: $196.38M

#948 of 1024 Bottom 7.5% in 100M-500M tier

924

Total Members

engagement

Value: 6,599

Peer Median: 13,128

#924 of 1024 Bottom 9.9% in 100M-500M tier

917

First Mortgage Concentration (%)

balance_sheet

Value: 53.51%

Peer Median: 29.92%

#917 of 1024 Bottom 10.5% in 100M-500M tier

888

Member Growth Rate

growth

Value: -4.14%

Peer Median: -0.03%

#888 of 1024 Bottom 13.4% in 100M-500M tier

863

Loan Growth Rate

growth

Value: -3.23%

Peer Median: 3.02%

#863 of 1024 Bottom 15.8% in 100M-500M tier

848

Total Loans

balance_sheet

Value: $70.40M

Peer Median: $124.04M

#848 of 1024 Bottom 17.3% in 100M-500M tier

802

Members Per Employee (MPE)

engagement

Value: 253.808

Peer Median: 310.924

#802 of 1024 Bottom 21.8% in 100M-500M tier