BlastPoint's Credit Union Scorecard
AMERICAN BROADCAST EMPLOYEES
Charter #18273 · NY
AMERICAN BROADCAST EMPLOYEES has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 15.3% in tier
- + Wallet Share Momentum: Top 91.0% in tier
- + ROA 1.08% above tier average
- + Net Interest Margin 0.87% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 0.5% in tier
- - Membership Headwinds: Bottom 7.9% in tier
- - Institutional Decline: Bottom 27.6% in tier
- - Delinquency rate 1.14% above tier average
- - Member decline: -4.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
- - Total Deposits: Bottom 8.2% in tier
- - First Mortgage Concentration (%): Bottom 8.9% in tier
- - Total Assets: Bottom 9.1% in tier
- - Total Members: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,804
-4.6% YoY-1.2% QoQ
|
-8.8K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 9.1% in tier |
| Assets |
$113.6M
+3.2% YoY-0.8% QoQ
|
$-117.7M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.0% in tier |
| Loans |
$72.9M
-0.6% YoY+0.3% QoQ
|
$-74.9M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$96.7M
+1.4% YoY-1.0% QoQ
|
$-103.6M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.1% in tier |
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| ROA |
1.9%
+74.5% YoY-15.0% QoQ
|
+1.1% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 4.5% in tier |
| NIM |
4.5%
-3.0% YoY+0.6% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 10.4% in tier |
| Efficiency Ratio |
64.7%
-12.3% YoY+4.8% QoQ
|
-12.5% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate |
2.0%
-36.3% YoY+1.7% QoQ
|
+1.1 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 6.9% in tier |
| Loan To Share |
75.4%
-1.9% YoY+1.3% QoQ
|
+2.7% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
53% |
| AMR |
$24,931
+5.4% YoY+0.7% QoQ
|
+$568 |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
10.2%
+4.5% YoY+1.5% QoQ
|
-14.2% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.5%
-35.0% YoY-12.2% QoQ
|
-10.5% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)