BlastPoint's Credit Union Scorecard
STS PETER & PAUL
Charter #18823 · NY
STS PETER & PAUL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
- + Net Worth Ratio: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -10.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 0.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 0.0% in tier
- - Total Loans: Bottom 0.4% in tier
- - Loan-to-Share Ratio: Bottom 0.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
101
-10.6% YoY-4.7% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 1.2% in tier |
| Assets |
$683,945
-3.7% YoY-0.5% QoQ
|
$-29.5M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.9% in tier |
| Loans |
$0.0
-100.0% YoY
|
$-15.3M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.1% in tier |
| Deposits |
$386,303
-7.2% YoY-1.2% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.1% in tier |
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| ROA |
0.8%
-65.2% YoY-21.8% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
1.9%
-39.4% YoY-15.7% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.2% in tier |
| Efficiency Ratio |
59.8%
+99.6% YoY+0.1% QoQ
|
-30.8% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 11.9% in tier |
| Delinquency Rate | - | - |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
- |
| Loan To Share |
0.0%
-100.0% YoY
|
-58.5% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$3,825
+3.5% YoY+3.7% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | - | - | 13.8% | 2.6% | 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)