BlastPoint's Credit Union Scorecard

GREATER WOODLAWN

Charter #18800 · NY

1069 CUs in 100M-500M nationally 54 in NY

GREATER WOODLAWN has 7 strengths but faces 11 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 39.6% in tier
+ ROA 0.98% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 0.5% in tier
+ Net Worth Ratio: Top 1.0% in tier
+ Efficiency Ratio: Top 1.9% in tier
+ Net Charge-Off Rate: Top 3.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 9.7% in tier
- Margin Compression: Bottom 14.8% in tier
- Membership Headwinds: Bottom 23.7% in tier
- Credit Risk Growth: Bottom 30.8% in tier
- Credit Quality Pressure: Bottom 35.9% in tier
- Cost Spiral: Bottom 48.9% in tier
- Stagnation Risk: Bottom 67.3% in tier
- Member decline: -5.1% YoY
- Fee Income Per Member: Bottom 0.7% in tier
- First Mortgage Concentration (%): Bottom 1.4% in tier
- Loan-to-Member Ratio (LMR): Bottom 8.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	12,673 -5.1% YoY+0.6% QoQ	-2.8K	15,437 -2.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	46%
Assets	$162.6M +2.8% YoY+0.6% QoQ	$-69.2M	$231.9M +1.3% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	36%
Loans	$68.8M +6.7% YoY+1.9% QoQ	$-78.5M	$147.3M -0.1% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	Bottom 14.9% in tier
Deposits	$123.3M +1.3% YoY+0.3% QoQ	$-77.5M	$200.8M +0.8% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	28%

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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	1.7% -14.8% YoY-4.1% QoQ	+1.0%	0.8% +18.2% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	Top 5.1% in tier
NIM	3.2% -7.8% YoY-0.0% QoQ	-0.4%	3.6% +6.7% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	28%
Efficiency Ratio	50.4% +13.6% YoY+2.9% QoQ	-26.6%	77.0% -3.1% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	Bottom 1.9% in tier
Delinquency Rate	0.4% +429.0% YoY+83.8% QoQ	-0.5	0.9% +4.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	21%
Loan To Share	55.8% +5.4% YoY+1.6% QoQ	-16.4%	72.2% -1.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	17%
AMR	$15,163 +8.7% YoY+0.2% QoQ	$-10K	$24,676 +3.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	Bottom 10.1% in tier
CD Concentration	18.2% +9.5% YoY+0.9% QoQ	-6.2%	24.4%	16.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#204 of 513 • Top 39.6% in tier

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

Why This Signature

AMR Growth (YoY): 8.66%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (7)

Liquidity Overhang

risk

#14 of 135 • Bottom 9.7% in tier

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

Why This Signature

Net Worth Ratio: 23.93%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 55.83%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

Margin Compression

decline

#19 of 123 • Bottom 14.8% 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: 1.75%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 2.05%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.30% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Membership Headwinds

decline

#132 of 554 • Bottom 23.7% in tier

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

Why This Signature

Member Growth (YoY): -5.06%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Risk Growth

risk

#141 of 456 • Bottom 30.8% in tier

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

Why This Signature

Loan Growth (YoY): 6.71%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.29% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#254 of 705 • Bottom 35.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.29% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Cost Spiral

risk

#23 of 46 • Bottom 48.9% 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: 6.01% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 37.00%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Stagnation Risk

risk

#373 of 554 • Bottom 67.3% 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): -5.06%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 6.71%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.36%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 792.062

Peer Median: -

#6 of 1069 Top 0.5% in 100M-500M tier

Net Worth Ratio

risk

Value: 23.93%

Peer Median: -

#12 of 1069 Top 1.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 50.38%

Peer Median: -

#21 of 1069 Top 1.9% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: -

#38 of 1069 Top 3.5% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.75%

Peer Median: -

#54 of 1069 Top 5.0% in 100M-500M tier

162

AMR Growth Rate

growth

Value: 8.66%

Peer Median: -

#162 of 1069 Top 15.1% in 100M-500M tier

223

Total Delinquency Rate (60+ days)

risk

Value: 0.36%

Peer Median: -

#223 of 1069 Top 20.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1062

Fee Income Per Member

profitability

Value: $22.20

Peer Median: -

#1062 of 1069 Bottom 0.7% in 100M-500M tier

1055

First Mortgage Concentration (%)

balance_sheet

Value: 73.87%

Peer Median: -

#1055 of 1069 Bottom 1.4% in 100M-500M tier

983

Loan-to-Member Ratio (LMR)

engagement

Value: $5,432

Peer Median: -

#983 of 1069 Bottom 8.1% in 100M-500M tier

961

Member Growth Rate

growth

Value: -5.06%

Peer Median: -

#961 of 1069 Bottom 10.2% in 100M-500M tier

961

Average Member Relationship (AMR)

engagement

Value: $15,163

Peer Median: -

#961 of 1069 Bottom 10.2% in 100M-500M tier

910

Total Loans

balance_sheet

Value: $68.84M

Peer Median: -

#910 of 1069 Bottom 15.0% in 100M-500M tier

890

Loan-to-Share Ratio

balance_sheet

Value: 55.83%

Peer Median: -

#890 of 1069 Bottom 16.8% in 100M-500M tier

807

Deposit Growth Rate

growth

Value: 1.28%

Peer Median: -

#807 of 1069 Bottom 24.6% in 100M-500M tier