BlastPoint's Credit Union Scorecard
SAINT JOHN A M E
Charter #18528 · NY
<100M
2508 CUs in <100M nationally
179 in NY
SAINT JOHN A M E has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 3.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Efficiency ratio 24.26% above tier (higher cost structure)
- - Delinquency rate 5.43% above tier average
- - Total Assets: Bottom 1.1% in tier
- - Total Deposits: Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 2.2% in tier
- - Total Loans: Bottom 3.1% in tier
- - Total Members: Bottom 3.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
170
-1.7% YoY+0.6% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 3.6% in tier |
| Assets |
$200,727
-2.1% YoY+4.6% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.0% in tier |
| Loans |
$120,491
+21.4% YoY+2.2% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.1% in tier |
| Deposits |
$171,054
-1.3% YoY+5.6% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.3% in tier |
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| ROA |
-0.6%
-124.5% YoY+84.0% QoQ
|
-0.7% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.5% in tier |
| NIM |
3.8%
-34.0% YoY-20.0% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
50% |
| Efficiency Ratio |
114.9%
+91.2% YoY+8.0% QoQ
|
+24.3% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.3% in tier |
| Delinquency Rate |
6.9%
+60.4% QoQ
|
+5.4 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.8% in tier |
| Loan To Share |
70.4%
+23.0% YoY-3.2% QoQ
|
+11.9% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$1,715
+8.8% YoY+3.5% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.1% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
79
Loan Growth Rate
growth
Value:
21.39%
Peer Median: -2.36%
#79 of 2508
Top 3.1% in <100M tier
304
AMR Growth Rate
growth
Value:
8.83%
Peer Median: 1.27%
#304 of 2508
Top 12.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2482
Total Assets
balance_sheet
Value:
$200,727
Peer Median: $21.86M
#2482 of 2508
Bottom 1.1% in <100M tier
2476
Total Deposits
balance_sheet
Value:
$171,054
Peer Median: $18.77M
#2476 of 2508
Bottom 1.3% in <100M tier
2455
Average Member Relationship (AMR)
engagement
Value:
$1,715
Peer Median: $13,926
#2455 of 2508
Bottom 2.2% in <100M tier
2430
Total Loans
balance_sheet
Value:
$120,491
Peer Median: $9.48M
#2430 of 2508
Bottom 3.1% in <100M tier
2417
Total Members
engagement
Value:
170
Peer Median: 1,918
#2417 of 2508
Bottom 3.7% in <100M tier
2414
Total Delinquency Rate (60+ days)
risk
Value:
6.93%
Peer Median: 0.65%
#2414 of 2508
Bottom 3.8% in <100M tier
2390
Loan-to-Member Ratio (LMR)
engagement
Value:
$708.77
Peer Median: $4,923
#2390 of 2508
Bottom 4.7% in <100M tier
2380
Fee Income Per Member
profitability
Value:
$0.05
Peer Median: $60.42
#2380 of 2508
Bottom 5.1% in <100M tier
2379
Members Per Employee (MPE)
engagement
Value:
85.000
Peer Median: 333.750
#2379 of 2508
Bottom 5.2% in <100M tier
2327
Efficiency Ratio
profitability
Value:
114.89%
Peer Median: 81.45%
#2327 of 2508
Bottom 7.3% in <100M tier