BlastPoint's Credit Union Scorecard
SPC BROOKLYN
Charter #18858 · NY
2556 CUs in <100M nationally
183 in NY
SPC BROOKLYN has 8 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.26% above tier average
- + Net Interest Margin 2.61% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 3.4% in tier
- + Efficiency Ratio: Top 8.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 13.22% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.4% in tier
- - Average Member Relationship (AMR): Bottom 1.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.0% in tier
- - Total Assets: Bottom 2.3% in tier
- - Total Loans: Bottom 2.5% in tier
- - Total Deposits: Bottom 2.6% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Loan-to-Share Ratio: Bottom 5.7% in tier
- - Total Members: Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
298
0% YoY0% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 7.6% in tier |
| Assets |
$373,095
-4.4% YoY-2.6% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.3% in tier |
| Loans |
$71,600
+20.7% YoY+13.8% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.5% in tier |
| Deposits |
$324,302
-5.3% YoY-3.1% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.6% in tier |
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| ROA |
2.9%
+218.4% YoY+1132.5% QoQ
|
+2.3% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 1.7% in tier |
| NIM |
6.6%
+53.7% YoY+73.8% QoQ
|
+2.6% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 2.0% in tier |
| Efficiency Ratio |
56.2%
-28.8% YoY-39.7% QoQ
|
-26.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate |
14.8%
-18.7% QoQ
|
+13.2 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 1.4% in tier |
| Loan To Share |
22.1%
+27.5% YoY+17.4% QoQ
|
-38.5% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.6% in tier |
| AMR |
$1,329
-1.5% YoY-0.4% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
43
Return on Assets (ROA)
profitability
Value:
2.88%
Peer Median: -
#43 of 2556
Top 1.6% in <100M tier
51
Net Interest Margin (NIM)
profitability
Value:
6.57%
Peer Median: -
#51 of 2556
Top 2.0% in <100M tier
87
Loan Growth Rate
growth
Value:
20.72%
Peer Median: -
#87 of 2556
Top 3.4% in <100M tier
206
Efficiency Ratio
profitability
Value:
56.24%
Peer Median: -
#206 of 2556
Top 8.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (11 metrics)
2520
Total Delinquency Rate (60+ days)
risk
Value:
14.77%
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2517
Average Member Relationship (AMR)
engagement
Value:
$1,329
Peer Median: -
#2517 of 2556
Bottom 1.6% in <100M tier
2507
Loan-to-Member Ratio (LMR)
engagement
Value:
$240.27
Peer Median: -
#2507 of 2556
Bottom 2.0% in <100M tier
2498
Total Assets
balance_sheet
Value:
$373,095
Peer Median: -
#2498 of 2556
Bottom 2.3% in <100M tier
2492
Total Loans
balance_sheet
Value:
$71,600
Peer Median: -
#2492 of 2556
Bottom 2.5% in <100M tier
2490
Total Deposits
balance_sheet
Value:
$324,302
Peer Median: -
#2490 of 2556
Bottom 2.6% in <100M tier
2437
Fee Income Per Member
profitability
Value:
$0.22
Peer Median: -
#2437 of 2556
Bottom 4.7% in <100M tier
2412
Loan-to-Share Ratio
balance_sheet
Value:
22.08%
Peer Median: -
#2412 of 2556
Bottom 5.7% in <100M tier
2358
Total Members
engagement
Value:
298
Peer Median: -
#2358 of 2556
Bottom 7.8% in <100M tier
2163
Asset Growth Rate
growth
Value:
-4.40%
Peer Median: -
#2163 of 2556
Bottom 15.4% in <100M tier