BlastPoint's Credit Union Scorecard
STS PETER & PAUL
Charter #18823 · NY
2596 CUs in <100M nationally
188 in NY
STS PETER & PAUL has 4 strengths but faces 18 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 0.0% in tier
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- - Total Loans: Bottom 0.5% in tier
- - Loan Growth Rate: Bottom 0.9% in tier
- - Deposit Growth Rate: Bottom 1.0% in tier
- - Asset Growth Rate: Bottom 1.5% in tier
- - AMR Growth Rate: Bottom 1.6% in tier
- - Total Members: Bottom 1.6% in tier
- - Total Deposits: Bottom 3.5% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Assets: Bottom 4.2% in tier
- - Average Member Relationship (AMR): Bottom 5.7% in tier
- - Net Interest Margin (NIM): Bottom 5.8% in tier
- - Members Per Employee (MPE): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
107
-6.1% YoY-0.9% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 1.6% in tier |
| Assets |
$679,076
-17.0% YoY+3.2% QoQ
|
$-29.2M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.2% in tier |
| Loans |
$0.0
-100.0% YoY-100.0% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.0% in tier |
| Deposits |
$384,372
-27.6% YoY+6.7% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.5% in tier |
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| ROA |
1.0%
-54.9% YoY-58.2% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
2.3%
-33.0% YoY-30.3% QoQ
|
-1.6% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.7% in tier |
| Efficiency Ratio |
61.3%
+63.2% YoY+113.8% QoQ
|
-20.0% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate | - | - |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
- |
| Loan To Share |
0.0%
-100.0% YoY-100.0% QoQ
|
-61.2% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR |
$3,592
-23.1% YoY+7.4% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.6% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | - | - |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
45
Net Worth Ratio
risk
Value:
43.40%
Peer Avg: -
#45 of 2596
Top 1.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
414
Efficiency Ratio
profitability
Value:
61.35%
Peer Avg: -
#414 of 2596
Top 15.9% in <100M tier
Top Weaknesses (18 metrics)
2596
Total Delinquency Rate (60+ days)
risk
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Indirect Auto Concentration (%)
balance_sheet
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2596
First Mortgage Concentration (%)
balance_sheet
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2584
Loan-to-Share Ratio
balance_sheet
Value:
0.00%
Peer Avg: -
#2584 of 2596
Bottom 0.5% in <100M tier
2584
Loan-to-Member Ratio (LMR)
engagement
Value:
$0.00
Peer Avg: -
#2584 of 2596
Bottom 0.5% in <100M tier
2584
Total Loans
balance_sheet
Value:
$0.00
Peer Avg: -
#2584 of 2596
Bottom 0.5% in <100M tier
2573
Loan Growth Rate
growth
Value:
-100.00%
Peer Avg: -
#2573 of 2596
Bottom 0.9% in <100M tier
2572
Deposit Growth Rate
growth
Value:
-27.60%
Peer Avg: -
#2572 of 2596
Bottom 1.0% in <100M tier
2557
Asset Growth Rate
growth
Value:
-17.02%
Peer Avg: -
#2557 of 2596
Bottom 1.5% in <100M tier
2555
AMR Growth Rate
growth
Value:
-23.08%
Peer Avg: -
#2555 of 2596
Bottom 1.6% in <100M tier