BlastPoint's Credit Union Scorecard

GREATER WOODLAWN

Charter #18800 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

GREATER WOODLAWN has 7 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 0.79% above tier average
+ Members Per Employee (MPE): Top 0.6% in tier
+ Net Worth Ratio: Top 0.9% in tier
+ Efficiency Ratio: Top 3.0% in tier
+ Net Charge-Off Rate: Top 6.5% in tier
+ AMR Growth Rate: Top 8.5% 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
- Cost Spiral: Bottom 50.0% in tier
- Member decline: -5.5% YoY
- Fee Income Per Member: Bottom 1.0% in tier
- First Mortgage Concentration (%): Bottom 1.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	12,789 -5.5% YoY+0.9% QoQ	-2.4K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	48%
Assets	$166.2M +3.3% YoY+2.2% QoQ	$-65.5M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	38%
Loans	$70.6M +8.3% YoY+2.5% QoQ	$-73.6M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	17%
Deposits	$126.3M +2.1% YoY+2.4% QoQ	$-74.9M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% 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	1.5% -14.7% YoY-13.2% QoQ	+0.8%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Top 11.2% in tier
NIM	3.1% -1.9% YoY-3.6% QoQ	-0.5%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	20%
Efficiency Ratio	52.5% +10.6% YoY+4.3% QoQ	-25.5%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Top 3.0% in tier
Delinquency Rate	0.2% -46.5% YoY-38.8% QoQ	-0.6	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Top 14.9% in tier
Loan To Share	55.9% +6.0% YoY+0.1% QoQ	-14.5%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	19%
AMR	$15,390 +10.2% YoY+1.5% QoQ	$-10K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	Bottom 10.7% in tier
CD Concentration	17.6% +2.2% YoY-3.3% QoQ	-6.7%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#116 of 491 • 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): 10.24%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (5)

Liquidity Overhang

risk

#13 of 126 • 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: 23.80%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 55.90%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY

Membership Headwinds

decline

#112 of 570 • 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): -5.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Margin Compression

decline

#46 of 133 • 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: 1.52%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.78%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Stagnation Risk

risk

#398 of 570 • 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): -5.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 8.25%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.22%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Cost Spiral

risk

#66 of 83 • Bottom 50.0% 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: 5.05% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 38.49%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | 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 1070 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 799.312

Peer Median: 309.176

#7 of 1070 Top 0.6% in 100M-500M tier

Net Worth Ratio

risk

Value: 23.80%

Peer Median: 11.45%

#11 of 1070 Top 0.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 52.54%

Peer Median: 78.68%

#33 of 1070 Top 3.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: 0.35%

#71 of 1070 Top 6.5% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.24%

Peer Median: 3.46%

#92 of 1070 Top 8.5% in 100M-500M tier

120

Return on Assets (ROA)

profitability

Value: 1.52%

Peer Median: 0.69%

#120 of 1070 Top 11.1% in 100M-500M tier

160

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: 0.61%

#160 of 1070 Top 14.9% in 100M-500M tier

246

Loan Growth Rate

growth

Value: 8.25%

Peer Median: 2.93%

#246 of 1070 Top 22.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1060

Fee Income Per Member

profitability

Value: $11.26

Peer Median: $154.95

#1060 of 1070 Bottom 1.0% in 100M-500M tier

1058

First Mortgage Concentration (%)

balance_sheet

Value: 74.39%

Peer Median: 29.47%

#1058 of 1070 Bottom 1.2% in 100M-500M tier

976

Member Growth Rate

growth

Value: -5.46%

Peer Median: -0.06%

#976 of 1070 Bottom 8.9% in 100M-500M tier

968

Loan-to-Member Ratio (LMR)

engagement

Value: $5,518

Peer Median: $9,356

#968 of 1070 Bottom 9.6% in 100M-500M tier

956

Average Member Relationship (AMR)

engagement

Value: $15,390

Peer Median: $22,931

#956 of 1070 Bottom 10.7% in 100M-500M tier

884

Total Loans

balance_sheet

Value: $70.57M

Peer Median: $121.41M

#884 of 1070 Bottom 17.5% in 100M-500M tier

862

Loan-to-Share Ratio

balance_sheet

Value: 55.90%

Peer Median: 71.88%

#862 of 1070 Bottom 19.5% in 100M-500M tier

853

Net Interest Margin (NIM)

profitability

Value: 3.11%

Peer Median: 3.62%

#853 of 1070 Bottom 20.4% in 100M-500M tier