BlastPoint's Credit Union Scorecard

FAMILY FIRST OF NY

Charter #19304 · NY

100M-500M

1069 CUs in 100M-500M nationally 54 in NY

FAMILY FIRST OF NY has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Loan-to-Share Ratio: Top 0.5% in tier
+ Loan-to-Member Ratio (LMR): Top 5.0% in tier
+ Average Member Relationship (AMR): Top 8.8% in tier
+ Total Loans: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.13% below tier average
- Efficiency ratio 5.12% above tier (higher cost structure)
- Member decline: -4.3% YoY
- First Mortgage Concentration (%): Bottom 8.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	14,736 -4.3% YoY-0.0% QoQ	-701	15,437 -2.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	57%
Assets	$328.1M +2.1% YoY-0.4% QoQ	+$96.3M	$231.9M +1.3% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	78%
Loans	$273.9M +3.0% YoY+0.5% QoQ	+$126.5M	$147.3M -0.1% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	Top 9.5% in tier
Deposits	$246.9M +5.9% YoY+2.1% QoQ	+$46.1M	$200.8M +0.8% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	70%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +102.1% YoY+11.9% QoQ	-0.1%	0.8% +18.2% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	41%
NIM	3.5% +11.5% YoY+0.9% QoQ	-0.2%	3.6% +6.7% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	40%
Efficiency Ratio	82.1% -4.4% YoY-0.9% QoQ	+5.1%	77.0% -3.1% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	68%
Delinquency Rate	0.6% -42.6% YoY+20.3% QoQ	-0.3	0.9% +4.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	42%
Loan To Share	110.9% -2.8% YoY-1.6% QoQ	+38.7%	72.2% -1.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	Top 0.6% in tier
AMR	$35,340 +9.1% YoY+1.3% QoQ	+$11K	$24,676 +3.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	Top 8.9% in tier
CD Concentration	34.2% +1.8% YoY-3.3% QoQ	+9.8%	24.4%	16.3%	19.8%	50%
Indirect Auto %	3.8% -28.8% YoY-9.3% QoQ	-9.9%	13.8%	2.6%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#47 of 268 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 9.08%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.3K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#179 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.08%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#44 of 228 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 110.92%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.03%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Membership Headwinds

decline

#169 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.30%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#290 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.30%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.03%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.60%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#491 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.14%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.32% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -4.30%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 110.92%

Peer Median: -

#6 of 1069 Top 0.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,585

Peer Median: -

#54 of 1069 Top 5.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,340

Peer Median: -

#95 of 1069 Top 8.8% in 100M-500M tier

102

Total Loans

balance_sheet

Value: $273.86M

Peer Median: -

#102 of 1069 Top 9.4% in 100M-500M tier

143

AMR Growth Rate

growth

Value: 9.08%

Peer Median: -

#143 of 1069 Top 13.3% in 100M-500M tier

239

Total Assets

balance_sheet

Value: $328.12M

Peer Median: -

#239 of 1069 Top 22.3% in 100M-500M tier

Top Weaknesses (4 metrics)

977

First Mortgage Concentration (%)

balance_sheet

Value: 55.61%

Peer Median: -

#977 of 1069 Bottom 8.7% in 100M-500M tier

935

Members Per Employee (MPE)

engagement

Value: 233.905

Peer Median: -

#935 of 1069 Bottom 12.6% in 100M-500M tier

929

Member Growth Rate

growth

Value: -4.30%

Peer Median: -

#929 of 1069 Bottom 13.2% in 100M-500M tier

884

Share Certificate Concentration (%)

balance_sheet

Value: 34.24%

Peer Median: -

#884 of 1069 Bottom 17.4% in 100M-500M tier