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 1.80% above tier average
- + Efficiency Ratio: Top 0.3% in tier
- + Loan-to-Share Ratio: Top 0.7% in tier
- + Loan-to-Member Ratio (LMR): Top 0.9% in tier
- + AMR Growth Rate: Top 1.5% in tier
- + Average Member Relationship (AMR): Top 1.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Delinquency rate 4.31% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.1% in tier
- - Total Members: Bottom 0.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,051
-1.9% YoY-0.4% QoQ
|
-12.1K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 0.3% in tier |
| Assets |
$101.6M
+15.8% YoY+6.5% QoQ
|
$-130.1M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.7% in tier |
| Loans |
$91.5M
+20.3% YoY+8.3% QoQ
|
$-52.7M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$85.2M
+16.0% YoY+7.0% QoQ
|
$-115.9M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.5%
+37.8% YoY+25.0% QoQ
|
+1.8% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 1.1% in tier |
| NIM |
3.1%
+5.4% YoY+7.3% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
31.0%
-30.0% YoY-18.9% QoQ
|
-47.0% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 0.3% in tier |
| Delinquency Rate |
5.1%
+17.4% YoY-4.4% QoQ
|
+4.3 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.1% in tier |
| Loan To Share |
107.3%
+3.7% YoY+1.2% QoQ
|
+36.9% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 0.8% in tier |
| AMR |
$57,914
+20.5% YoY+8.1% QoQ
|
+$33K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 1.6% in tier |
| CD Concentration |
55.0%
+22.7% YoY+10.4% QoQ
|
+30.7% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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 (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)