BlastPoint's Credit Union Scorecard
SPC BROOKLYN
Charter #18858 · NY
<100M
2508 CUs in <100M nationally
179 in NY
SPC BROOKLYN has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.17% above tier average
- + Net Interest Margin 0.46% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + AMR Growth Rate: Top 0.5% in tier
- + Loan Growth Rate: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -37.2% YoY
- - Member Growth Rate: Bottom 0.6% in tier
- - Total Assets: Bottom 2.2% in tier
- - Total Loans: Bottom 2.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.5% in tier
- - Total Deposits: Bottom 2.6% in tier
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Total Members: Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
187
-37.2% YoY-37.2% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 4.1% in tier |
| Assets |
$374,825
-3.9% YoY+0.5% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.2% in tier |
| Loans |
$64,485
+20.9% YoY-9.9% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.3% in tier |
| Deposits |
$324,799
-4.9% YoY+0.2% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.5% in tier |
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| ROA |
1.3%
+100.2% YoY-54.3% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
4.5%
+35.6% YoY-32.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
79.8%
-0.3% YoY+41.9% QoQ
|
-10.8% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
19.9%
+27.2% YoY-10.1% QoQ
|
-38.7% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.0% in tier |
| AMR |
$2,082
+57.1% YoY+56.7% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
14
AMR Growth Rate
growth
Value:
57.07%
Peer Median: 1.27%
#14 of 2508
Top 0.5% in <100M tier
82
Loan Growth Rate
growth
Value:
20.91%
Peer Median: -2.36%
#82 of 2508
Top 3.2% in <100M tier
497
Return on Assets (ROA)
profitability
Value:
1.32%
Peer Median: 0.61%
#497 of 2508
Top 19.8% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
614
Net Interest Margin (NIM)
profitability
Value:
4.46%
Peer Median: 3.83%
#614 of 2508
Top 24.4% in <100M tier
Top Weaknesses (11 metrics)
2495
Member Growth Rate
growth
Value:
-37.25%
Peer Median: -1.37%
#2495 of 2508
Bottom 0.6% in <100M tier
2454
Total Assets
balance_sheet
Value:
$374,825
Peer Median: $21.86M
#2454 of 2508
Bottom 2.2% in <100M tier
2450
Total Loans
balance_sheet
Value:
$64,485
Peer Median: $9.48M
#2450 of 2508
Bottom 2.4% in <100M tier
2446
Loan-to-Member Ratio (LMR)
engagement
Value:
$344.84
Peer Median: $4,923
#2446 of 2508
Bottom 2.5% in <100M tier
2445
Total Deposits
balance_sheet
Value:
$324,799
Peer Median: $18.77M
#2445 of 2508
Bottom 2.6% in <100M tier
2435
Average Member Relationship (AMR)
engagement
Value:
$2,082
Peer Median: $13,926
#2435 of 2508
Bottom 3.0% in <100M tier
2403
Total Members
engagement
Value:
187
Peer Median: 1,918
#2403 of 2508
Bottom 4.2% in <100M tier
2380
Loan-to-Share Ratio
balance_sheet
Value:
19.85%
Peer Median: 58.72%
#2380 of 2508
Bottom 5.1% in <100M tier
2159
Members Per Employee (MPE)
engagement
Value:
187.000
Peer Median: 333.750
#2159 of 2508
Bottom 14.0% in <100M tier
2047
Asset Growth Rate
growth
Value:
-3.87%
Peer Median: 1.30%
#2047 of 2508
Bottom 18.4% in <100M tier