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 0.35% above tier average
- + Net Worth Ratio: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.0% 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 0.5% in tier
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
106
-7.0% YoY-0.9% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 1.5% in tier |
| Assets |
$687,184
-16.6% YoY+1.2% QoQ
|
$-29.5M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.0% in tier |
| Loans |
$0.0
-100.0% YoY
|
$-15.8M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.1% in tier |
| Deposits |
$390,845
-26.8% YoY+1.7% QoQ
|
$-25.3M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.3% in tier |
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| ROA |
1.0%
-53.0% YoY-2.7% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
2.3%
-31.0% YoY-4.0% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.6% in tier |
| Efficiency Ratio |
59.8%
+60.3% YoY-2.5% QoQ
|
-22.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 11.3% in tier |
| Delinquency Rate | - | - |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
- |
| Loan To Share |
0.0%
-100.0% YoY
|
-60.6% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.1% in tier |
| AMR |
$3,687
-21.5% YoY+2.6% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | - | - | 13.8% | 2.6% | 7.8% | - |
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)