BlastPoint's Credit Union Scorecard

GREATER WOODLAWN

Charter #18800 · NY

100M-500M

1024 CUs in 100M-500M nationally 55 in NY

GREATER WOODLAWN has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.77% above tier average
+ Members Per Employee (MPE): Top 0.6% in tier
+ Net Worth Ratio: Top 1.2% in tier
+ Efficiency Ratio: Top 2.1% in tier
+ Total Delinquency Rate (60+ days): Top 6.2% in tier
+ Net Charge-Off Rate: Top 7.0% in tier
+ AMR Growth Rate: Top 8.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Member decline: -5.6% YoY
- Fee Income Per Member: Bottom 0.6% in tier
- First Mortgage Concentration (%): Bottom 1.5% in tier
- Member Growth Rate: Bottom 8.6% 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 +2.8% year over year ($128M in shares and deposits).
Membership: 12,886 members, -5.6% vs a year ago.
Delinquency rate 0.12%.
Return on assets 1.63%.
Efficiency ratio 50.30% vs a 76.73% peer average.
Loan-to-share ratio 55.85% 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	12,886 -5.6% YoY+0.8% QoQ	-2.3K	15,168 -2.6% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	49%
Assets	$168.4M +3.8% YoY+1.4% QoQ	$-63.6M	$232.0M +0.7% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	38%
Loans	$71.4M +7.3% YoY+1.2% QoQ	$-74.9M	$146.3M +0.2% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	18%
Deposits	$127.8M +2.8% YoY+1.2% QoQ	$-72.9M	$200.7M +0.2% YoY	$431.4M +8.2% YoY	$504.8M +10.3% YoY	29%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% -9.5% YoY+7.7% QoQ	+0.8%	0.9% +12.5% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	Top 9.5% in tier
NIM	3.2% -1.0% YoY+2.3% QoQ	-0.5%	3.7% +4.5% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	21%
Efficiency Ratio	50.3% +7.2% YoY-4.3% QoQ	-26.4%	76.7% -0.8% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	Top 2.1% in tier
Delinquency Rate	0.1% -46.2% YoY-47.8% QoQ	-0.8	0.9% +6.6% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	Top 6.2% in tier
Loan To Share	55.9% +4.4% YoY-0.1% QoQ	-15.7%	71.5% -0.3% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	19%
AMR	$15,458 +10.6% YoY+0.4% QoQ	$-10K	$25,107 +3.2% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	Bottom 10.8% in tier
CD Concentration	18.0% +4.2% YoY+2.4% QoQ	-6.5%	24.6%	16.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#112 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.55%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Concerns (4)

Liquidity Overhang

risk

#15 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 23.92%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 55.85%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank worsening

Membership Headwinds

decline

#110 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.58%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Margin Compression

decline

#73 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.63%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.81%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | Rank worsening

Stagnation Risk

risk

#395 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.58%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 7.31%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.12%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 758.000

Peer Median: 310.924

#7 of 1024 Top 0.6% in 100M-500M tier

Net Worth Ratio

risk

Value: 23.92%

Peer Median: 11.71%

#13 of 1024 Top 1.2% in 100M-500M tier

Efficiency Ratio

profitability

Value: 50.30%

Peer Median: 77.26%

#23 of 1024 Top 2.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.71%

#65 of 1024 Top 6.2% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: 0.34%

#73 of 1024 Top 7.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.55%

Peer Median: 3.53%

#90 of 1024 Top 8.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.63%

Peer Median: 0.75%

#97 of 1024 Top 9.4% in 100M-500M tier

Top Weaknesses (8 metrics)

1019

Fee Income Per Member

profitability

Value: $14.04

Peer Median: $159.88

#1019 of 1024 Bottom 0.6% in 100M-500M tier

1010

First Mortgage Concentration (%)

balance_sheet

Value: 73.33%

Peer Median: 29.92%

#1010 of 1024 Bottom 1.5% in 100M-500M tier

937

Member Growth Rate

growth

Value: -5.58%

Peer Median: -0.03%

#937 of 1024 Bottom 8.6% in 100M-500M tier

924

Loan-to-Member Ratio (LMR)

engagement

Value: $5,540

Peer Median: $9,434

#924 of 1024 Bottom 9.9% in 100M-500M tier

913

Average Member Relationship (AMR)

engagement

Value: $15,458

Peer Median: $23,006

#913 of 1024 Bottom 10.9% in 100M-500M tier

845

Total Loans

balance_sheet

Value: $71.39M

Peer Median: $124.04M

#845 of 1024 Bottom 17.6% in 100M-500M tier

831

Loan-to-Share Ratio

balance_sheet

Value: 55.85%

Peer Median: 73.07%

#831 of 1024 Bottom 18.9% in 100M-500M tier

806

Net Interest Margin (NIM)

profitability

Value: 3.18%

Peer Median: 3.67%

#806 of 1024 Bottom 21.4% in 100M-500M tier