BlastPoint's Credit Union Scorecard
PORT WASHINGTON
Charter #18635 · NY
PORT WASHINGTON has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.40% above tier average
- + Efficiency Ratio: Top 0.3% in tier
- + AMR Growth Rate: Top 0.5% in tier
- + Loan Growth Rate: Top 0.6% in tier
- + Loan-to-Share Ratio: Top 0.7% in tier
- + Loan-to-Member Ratio (LMR): Top 0.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Delinquency rate 3.40% above tier average
- - Share Certificate Concentration (%): Bottom 0.2% in tier
- - Total Members: Bottom 0.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
- - First Mortgage Concentration (%): Bottom 3.8% in tier
- - Total Deposits: Bottom 5.2% in tier
- - Total Assets: Bottom 7.1% in tier
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 +21.4% year over year ($93.0M in shares and deposits).
- Membership: 3,026 members, -0.5% vs a year ago.
- Delinquency rate 4.28%.
- Return on assets 2.26%.
- Efficiency ratio 32.39% vs a 76.73% peer average.
- Loan-to-share ratio 108.05% 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 |
3,026
-0.5% YoY-0.8% QoQ
|
-12.1K |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 0.3% in tier |
| Assets |
$109.9M
+20.3% YoY+8.2% QoQ
|
$-122.1M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.0% in tier |
| Loans |
$100.4M
+33.7% YoY+9.8% QoQ
|
$-45.8M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$93.0M
+21.4% YoY+9.1% QoQ
|
$-107.8M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.1% in tier |
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| ROA |
2.3%
+11.5% YoY-10.7% QoQ
|
+1.4% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 1.9% in tier |
| NIM |
2.9%
+1.0% YoY-5.8% QoQ
|
-0.7% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 12.2% in tier |
| Efficiency Ratio |
32.4%
-11.5% YoY+4.4% QoQ
|
-44.3% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 0.3% in tier |
| Delinquency Rate |
4.3%
-19.0% YoY-15.8% QoQ
|
+3.4 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.9% in tier |
| Loan To Share |
108.0%
+10.1% YoY+0.7% QoQ
|
+36.5% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 0.8% in tier |
| AMR |
$63,912
+28.1% YoY+10.4% QoQ
|
+$39K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 1.0% in tier |
| CD Concentration |
58.6%
+21.5% YoY+6.5% QoQ
|
+34.0% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)