PORT WASHINGTON
Charter #18635 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
PORT WASHINGTON has 13 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.3% in tier
- + Total Loans: Top 0.3% in tier
- + Average Member Relationship (AMR): Top 0.4% in tier
- + Efficiency Ratio: Top 1.8% in tier
- + Total Assets: Top 3.5% in tier
- + AMR Growth Rate: Top 3.9% in tier
- + Asset Growth Rate: Top 4.0% in tier
- + Deposit Growth Rate: Top 4.0% in tier
- + Total Deposits: Top 4.6% in tier
- + Loan-to-Share Ratio: Top 5.1% in tier
- + Loan Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 6.02% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.1% in tier
- - First Mortgage Concentration (%): Bottom 3.1% in tier
- - Share Certificate Concentration (%): Bottom 5.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,020
-1.7% YoY-0.7% QoQ
|
+394 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
67th in tier |
| Assets |
$90.8M
+13.8% YoY-0.6% QoQ
|
+$60.9M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Top 3.5% in tier |
| Loans |
$74.2M
+14.0% YoY-1.3% QoQ
|
+$58.4M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 0.4% in tier |
| Deposits |
$75.6M
+14.3% YoY-1.3% QoQ
|
+$50.1M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Top 4.6% in tier |
| ROA |
2.0%
+10.0% YoY-1.5% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 9.1% in tier |
| NIM |
2.9%
+4.1% YoY-1.8% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
36.6%
-17.0% YoY+0.0% QoQ
|
-44.8% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
7.5%
+504.7% YoY+42.4% QoQ
|
+6.0 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 3.1% in tier |
| Loan To Share |
98.1%
-0.3% YoY-0.0% QoQ
|
+36.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 5.3% in tier |
| AMR |
$49,585
+16.1% YoY-0.6% QoQ
|
+$35K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Top 0.4% in tier |
| CD Concentration |
45.0%
+4.0% YoY-6.7% QoQ
|
+20.6% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (14 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
9
Loan-to-Member Ratio (LMR)
engagement
Value:
$24,559
Peer Avg: $5,488
#9 of 2596
Top 0.3% in <100M tier
10
Total Loans
balance_sheet
Value:
$74.17M
Peer Avg: $15.77M
#10 of 2596
Top 0.3% in <100M tier
11
Average Member Relationship (AMR)
engagement
Value:
$49,585
Peer Avg: $14,627
#11 of 2596
Top 0.4% in <100M tier
48
Efficiency Ratio
profitability
Value:
36.61%
Peer Avg: 81.39%
#48 of 2596
Top 1.8% in <100M tier
92
Total Assets
balance_sheet
Value:
$90.79M
Peer Avg: $29.86M
#92 of 2596
Top 3.5% in <100M tier
103
AMR Growth Rate
growth
Value:
16.06%
Peer Avg: 4.67%
#103 of 2596
Top 3.9% in <100M tier
104
Asset Growth Rate
growth
Value:
13.76%
Peer Avg: 1.82%
#104 of 2596
Top 4.0% in <100M tier
106
Deposit Growth Rate
growth
Value:
14.31%
Peer Avg: 16.80%
#106 of 2596
Top 4.0% in <100M tier
120
Total Deposits
balance_sheet
Value:
$75.58M
Peer Avg: $25.45M
#120 of 2596
Top 4.6% in <100M tier
Top Weaknesses (4 metrics)
2517
Total Delinquency Rate (60+ days)
risk
Value:
7.52%
Peer Avg: 1.51%
#2517 of 2596
Bottom 3.1% in <100M tier
2517
First Mortgage Concentration (%)
balance_sheet
Value:
63.28%
Peer Avg: 14.49%
#2517 of 2596
Bottom 3.1% in <100M tier
2463
Share Certificate Concentration (%)
balance_sheet
Value:
44.97%
Peer Avg: 15.37%
#2463 of 2596
Bottom 5.2% in <100M tier
2225
Net Interest Margin (NIM)
profitability
Value:
2.86%
Peer Avg: 3.93%
#2225 of 2596
Bottom 14.3% in <100M tier