SPC BROOKLYN
Charter #18858 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
SPC BROOKLYN has 6 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 14.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 11.89% above tier (higher cost structure)
- - Delinquency rate 16.66% above tier average
- - Fee Income Per Member: Bottom 0.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 1.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.0% in tier
- - Total Assets: Bottom 2.3% in tier
- - Total Loans: Bottom 2.4% in tier
- - AMR Growth Rate: Bottom 2.9% in tier
- - Total Deposits: Bottom 2.9% in tier
- - Loan-to-Share Ratio: Bottom 4.1% in tier
- - Total Members: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
298
+14.6% YoY0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 7.9% in tier |
| Assets |
$382,989
-5.6% YoY-1.0% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.3% in tier |
| Loans |
$62,932
-1.9% YoY+29.5% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.4% in tier |
| Deposits |
$334,669
-6.3% YoY-1.0% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.9% in tier |
| ROA |
0.2%
-84.0% YoY-56.7% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
25th in tier |
| NIM |
3.8%
-9.6% YoY+2.1% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
45th in tier |
| Efficiency Ratio |
93.3%
+42.4% YoY+9.2% QoQ
|
+11.9% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 18.5% in tier |
| Delinquency Rate |
18.2%
-23.0% QoQ
|
+16.7 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 1.3% in tier |
| Loan To Share |
18.8%
+4.7% YoY+30.9% QoQ
|
-42.4% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.9% in tier |
| AMR |
$1,334
-17.7% YoY+2.8% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
67
Member Growth Rate
growth
Value:
14.62%
Peer Avg: 14.92%
#67 of 2596
Top 2.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (13 metrics)
2579
Fee Income Per Member
profitability
Value:
$-3.85
Peer Avg: $182.96
#2579 of 2596
Bottom 0.7% in <100M tier
2562
Total Delinquency Rate (60+ days)
risk
Value:
18.16%
Peer Avg: 1.51%
#2562 of 2596
Bottom 1.3% in <100M tier
2552
Average Member Relationship (AMR)
engagement
Value:
$1,334
Peer Avg: $14,627
#2552 of 2596
Bottom 1.7% in <100M tier
2545
Loan-to-Member Ratio (LMR)
engagement
Value:
$211.18
Peer Avg: $5,488
#2545 of 2596
Bottom 2.0% in <100M tier
2536
Total Assets
balance_sheet
Value:
$382,989
Peer Avg: $29.86M
#2536 of 2596
Bottom 2.3% in <100M tier
2534
Total Loans
balance_sheet
Value:
$62,932
Peer Avg: $15.77M
#2534 of 2596
Bottom 2.4% in <100M tier
2523
AMR Growth Rate
growth
Value:
-17.68%
Peer Avg: 4.67%
#2523 of 2596
Bottom 2.9% in <100M tier
2522
Total Deposits
balance_sheet
Value:
$334,669
Peer Avg: $25.45M
#2522 of 2596
Bottom 2.9% in <100M tier
2491
Loan-to-Share Ratio
balance_sheet
Value:
18.80%
Peer Avg: 61.23%
#2491 of 2596
Bottom 4.1% in <100M tier
2390
Total Members
engagement
Value:
298
Peer Avg: 2,626
#2390 of 2596
Bottom 8.0% in <100M tier