BlastPoint's Credit Union Scorecard

GREATER WOODLAWN

Charter #18800 · NY

1077 CUs in 100M-500M nationally 52 in NY

GREATER WOODLAWN has 10 strengths but faces 12 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

+ Profitability Leader: Top 18.6% in tier
+ Wallet Share Momentum: Top 26.7% in tier
+ Credit Quality Leader: Top 38.4% in tier
+ ROA 1.03% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 0.5% in tier
+ Net Worth Ratio: Top 0.9% in tier
+ Efficiency Ratio: Top 1.9% in tier
+ Net Charge-Off Rate: Top 5.5% in tier
+ AMR Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 2.7% in tier
- Membership Headwinds: Bottom 6.0% in tier
- Liquidity Overhang: Bottom 6.0% in tier
- Margin Compression: Bottom 7.2% in tier
- Credit Risk Growth: Bottom 14.4% in tier
- Cost Spiral: Bottom 16.5% in tier
- Credit Quality Pressure: Bottom 19.8% in tier
- Member decline: -5.7% YoY
- Fee Income Per Member: Bottom 0.9% in tier
- First Mortgage Concentration (%): Bottom 1.3% in tier
- Loan-to-Member Ratio (LMR): Bottom 8.0% in tier
- Member Growth Rate: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	12,593 -5.7% YoY-7.7% QoQ	-3.0K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	45%
Assets	$161.7M +2.8% YoY-0.3% QoQ	$-69.6M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	36%
Loans	$67.6M +8.8% YoY+1.6% QoQ	$-80.2M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	Bottom 13.6% in tier
Deposits	$123.0M +1.1% YoY-1.1% QoQ	$-77.3M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	27%

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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	1.8% -12.8% YoY+0.8% QoQ	+1.0%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	Top 5.3% in tier
NIM	3.2% -8.0% YoY+0.5% QoQ	-0.4%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	28%
Efficiency Ratio	49.0% +12.4% YoY+4.3% QoQ	-28.3%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	Bottom 1.9% in tier
Delinquency Rate	0.2% +97.6% YoY-8.4% QoQ	-0.7	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	Bottom 10.6% in tier
Loan To Share	54.9% +7.5% YoY+2.7% QoQ	-17.8%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	Bottom 14.9% in tier
AMR	$15,131 +10.0% YoY+8.2% QoQ	$-9K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	Bottom 10.3% in tier
CD Concentration	18.0% +7.0% YoY+4.2% QoQ	-6.4%	24.4% +4.2% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Profitability Leader

growth

#64 of 340 • Top 18.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.82%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.27% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#129 of 481 • Top 26.7% in tier

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

Why This Signature

AMR Growth (YoY): 9.96%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Credit Quality Leader

growth

#131 of 340 • Top 38.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.20%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (7)

Stagnation Risk

risk

#46 of 550 • Bottom 2.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.67%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 8.76%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.20%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline

#99 of 550 • Bottom 6.0% in tier

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

Why This Signature

Member Growth (YoY): -5.67%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Overhang

risk

#9 of 134 • Bottom 6.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 23.69%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 54.94%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY

Margin Compression

decline

#31 of 136 • Bottom 7.2% 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: 1.82%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 2.09%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.27% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Credit Risk Growth

risk

#217 of 446 • Bottom 14.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.76%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Cost Spiral

risk

#41 of 62 • Bottom 16.5% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.39% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 36.57%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Credit Quality Pressure

risk

#490 of 736 • Bottom 19.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 787.062

Peer Avg: -

#6 of 1077 Top 0.5% in 100M-500M tier

Net Worth Ratio

risk

Value: 23.69%

Peer Avg: -

#11 of 1077 Top 0.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 48.97%

Peer Avg: -

#21 of 1077 Top 1.9% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.82%

Peer Avg: -

#57 of 1077 Top 5.2% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.04%

Peer Avg: -

#60 of 1077 Top 5.5% in 100M-500M tier

103

AMR Growth Rate

growth

Value: 9.96%

Peer Avg: -

#103 of 1077 Top 9.5% in 100M-500M tier

115

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Avg: -

#115 of 1077 Top 10.6% in 100M-500M tier

213

Loan Growth Rate

growth

Value: 8.76%

Peer Avg: -

#213 of 1077 Top 19.7% in 100M-500M tier

Top Weaknesses (7 metrics)

1068

Fee Income Per Member

profitability

Value: $23.44

Peer Avg: -

#1068 of 1077 Bottom 0.9% in 100M-500M tier

1064

First Mortgage Concentration (%)

balance_sheet

Value: 74.03%

Peer Avg: -

#1064 of 1077 Bottom 1.3% in 100M-500M tier

992

Loan-to-Member Ratio (LMR)

engagement

Value: $5,366

Peer Avg: -

#992 of 1077 Bottom 8.0% in 100M-500M tier

989

Member Growth Rate

growth

Value: -5.67%

Peer Avg: -

#989 of 1077 Bottom 8.3% in 100M-500M tier

966

Average Member Relationship (AMR)

engagement

Value: $15,131

Peer Avg: -

#966 of 1077 Bottom 10.4% in 100M-500M tier

930

Total Loans

balance_sheet

Value: $67.57M

Peer Avg: -

#930 of 1077 Bottom 13.7% in 100M-500M tier

917

Loan-to-Share Ratio

balance_sheet

Value: 54.94%

Peer Avg: -

#917 of 1077 Bottom 14.9% in 100M-500M tier