BlastPoint's Credit Union Scorecard
STS PETER & PAUL
Charter #18823 · NY
STS PETER & PAUL has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 1.7% in tier
- + AMR Growth Rate: Top 2.4% in tier
- + Deposit Growth Rate: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Member decline: -7.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 0.1% in tier
- - Net Charge-Off Rate: Bottom 0.1% in tier
- - Indirect Auto Concentration (%): Bottom 0.1% in tier
- - First Mortgage Concentration (%): Bottom 0.1% in tier
- - Total Loans: Bottom 0.4% in tier
- - Loan-to-Share Ratio: Bottom 0.4% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
100
-7.4% YoY-1.0% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 1.1% in tier |
| Assets |
$707,385
+7.5% YoY+3.4% QoQ
|
$-29.6M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.8% in tier |
| Loans |
$0.0
-100.0% YoY
|
$-15.5M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.1% in tier |
| Deposits |
$409,323
+13.6% YoY+6.0% QoQ
|
$-25.4M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.2% in tier |
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| ROA |
0.5%
-79.3% YoY-35.0% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
1.6%
-53.8% YoY-18.2% QoQ
|
-2.3% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.9% in tier |
| Efficiency Ratio |
68.1%
+137.4% YoY+13.8% QoQ
|
-20.7% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate | - | - |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
- |
| Loan To Share |
0.0%
-100.0% YoY
|
-58.9% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$4,093
+22.4% YoY+7.0% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.3% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | - | - | 13.6% | 2.7% | 7.7% | - |
Signature Analysis
Strengths (0)
Concerns (0)
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)