BlastPoint's Credit Union Scorecard
PORT WASHINGTON
Charter #18635 · NY
2556 CUs in <100M nationally
183 in NY
PORT WASHINGTON has 13 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.3% in tier
- + Average Member Relationship (AMR): Top 0.4% in tier
- + Efficiency Ratio: Top 1.4% in tier
- + Total Assets: Top 1.6% in tier
- + Loan-to-Share Ratio: Top 2.2% in tier
- + Total Deposits: Top 2.9% in tier
- + Loan Growth Rate: Top 4.0% in tier
- + AMR Growth Rate: Top 4.1% in tier
- + Asset Growth Rate: Top 6.5% in tier
- + Deposit Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.76% above tier average
- - First Mortgage Concentration (%): Bottom 3.1% in tier
- - Share Certificate Concentration (%): Bottom 3.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,064
-0.9% YoY+1.5% QoQ
|
+448 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$95.4M
+11.6% YoY+5.0% QoQ
|
+$65.2M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 1.7% in tier |
| Loans |
$84.5M
+19.5% YoY+13.9% QoQ
|
+$68.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 0.1% in tier |
| Deposits |
$79.7M
+11.1% YoY+5.4% QoQ
|
+$54.0M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 2.9% in tier |
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| ROA |
2.0%
+40.3% YoY+1.4% QoQ
|
+1.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 6.7% in tier |
| NIM |
2.9%
+11.6% YoY+1.8% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
38.3%
-27.4% YoY+4.5% QoQ
|
-44.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.4% in tier |
| Delinquency Rate |
5.3%
-11.2% YoY-29.4% QoQ
|
+3.8 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 5.7% in tier |
| Loan To Share |
106.1%
+7.5% YoY+8.1% QoQ
|
+45.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 2.3% in tier |
| AMR |
$53,567
+16.3% YoY+8.0% QoQ
|
+$39K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 0.4% in tier |
| CD Concentration |
49.8%
+10.4% YoY+10.8% QoQ
|
+25.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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 (15 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
3
Total Loans
balance_sheet
Value:
$84.48M
Peer Median: -
#3 of 2556
Top 0.1% in <100M tier
8
Loan-to-Member Ratio (LMR)
engagement
Value:
$27,571
Peer Median: -
#8 of 2556
Top 0.3% in <100M tier
11
Average Member Relationship (AMR)
engagement
Value:
$53,567
Peer Median: -
#11 of 2556
Top 0.4% in <100M tier
37
Efficiency Ratio
profitability
Value:
38.25%
Peer Median: -
#37 of 2556
Top 1.4% in <100M tier
43
Total Assets
balance_sheet
Value:
$95.37M
Peer Median: -
#43 of 2556
Top 1.6% in <100M tier
57
Loan-to-Share Ratio
balance_sheet
Value:
106.06%
Peer Median: -
#57 of 2556
Top 2.2% in <100M tier
75
Total Deposits
balance_sheet
Value:
$79.65M
Peer Median: -
#75 of 2556
Top 2.9% in <100M tier
102
Loan Growth Rate
growth
Value:
19.45%
Peer Median: -
#102 of 2556
Top 4.0% in <100M tier
105
AMR Growth Rate
growth
Value:
16.29%
Peer Median: -
#105 of 2556
Top 4.1% in <100M tier
Top Weaknesses (4 metrics)
2478
First Mortgage Concentration (%)
balance_sheet
Value:
64.47%
Peer Median: -
#2478 of 2556
Bottom 3.1% in <100M tier
2463
Share Certificate Concentration (%)
balance_sheet
Value:
49.84%
Peer Median: -
#2463 of 2556
Bottom 3.7% in <100M tier
2411
Total Delinquency Rate (60+ days)
risk
Value:
5.31%
Peer Median: -
#2411 of 2556
Bottom 5.7% in <100M tier
2128
Net Interest Margin (NIM)
profitability
Value:
2.92%
Peer Median: -
#2128 of 2556
Bottom 16.8% in <100M tier