BlastPoint's Credit Union Scorecard
FAMILY FIRST OF NY
Charter #19304 · NY
FAMILY FIRST OF NY has 6 strengths but faces 6 concerns
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 4.1% in tier
- + Total Loans: Top 7.7% in tier
- + Average Member Relationship (AMR): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.36% below tier average
- - Efficiency ratio 9.23% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 6.0% in tier
- - First Mortgage Concentration (%): Bottom 8.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
- Shares and deposits +4.9% year over year ($259M in shares and deposits).
- Membership: 14,765 members, -0.4% vs a year ago.
- Delinquency rate 0.59%.
- Return on assets 0.50%.
- Efficiency ratio 85.96% vs a 76.73% peer average.
- Loan-to-share ratio 111.47% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,765
-0.4% YoY-4.0% QoQ
|
-403 |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
58% |
| Assets |
$345.3M
+4.9% YoY+1.5% QoQ
|
+$113.3M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$288.4M
+6.1% YoY+2.7% QoQ
|
+$142.1M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 7.8% in tier |
| Deposits |
$258.7M
+4.9% YoY+1.3% QoQ
|
+$58.0M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
0.5%
-0.6% YoY+21.5% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
3.6%
+5.4% YoY+1.9% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
86.0%
+3.3% YoY-0.6% QoQ
|
+9.2% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
0.6%
-9.8% YoY+81.8% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
111.5%
+1.1% YoY+1.4% QoQ
|
+39.9% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 0.6% in tier |
| AMR |
$37,051
+6.0% YoY+6.3% QoQ
|
+$12K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 8.2% in tier |
| CD Concentration |
34.0%
+4.0% YoY-1.8% QoQ
|
+9.5% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % |
3.0%
-34.9% YoY-12.0% QoQ
|
-10.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)