BlastPoint's Credit Union Scorecard
TEG
Charter #19401 · NY
TEG has 2 strengths but faces 5 concerns
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Net Interest Margin 0.58% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19.7% in tier
- - Credit Risk Growth: Bottom 23.0% in tier
- - Indirect Auto Dependency: Bottom 56.2% in tier
- - Efficiency ratio 1.02% above tier (higher cost structure)
- - Total Assets: Bottom 4.2% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in New York.
- Shares and deposits +4.2% year over year ($445M in shares and deposits).
- Membership: 35,951 members, +2.2% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 1.02%.
- Efficiency ratio 77.58% vs a 76.56% peer average.
- Loan-to-share ratio 87.58% vs a 79.33% 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 |
35,951
+2.2% YoY+0.6% QoQ
|
-1.9K |
37,897
-5.0% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$506.5M
+3.5% YoY+1.7% QoQ
|
$-115.8M |
$622.4M
+0.6% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.6% in tier |
| Loans |
$389.4M
+8.5% YoY+3.2% QoQ
|
$-39.1M |
$428.5M
-0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
31% |
| Deposits |
$444.6M
+4.2% YoY+1.3% QoQ
|
$-95.2M |
$539.8M
+0.9% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.7% in tier |
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| ROA |
1.0%
+35.2% YoY+6.5% QoQ
|
+0.2% |
0.8%
+39.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
4.1%
+4.7% YoY-0.6% QoQ
|
+0.6% |
3.5%
+5.0% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 12.1% in tier |
| Efficiency Ratio |
77.6%
-8.9% YoY+0.3% QoQ
|
+1.0% |
76.6%
-3.6% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
0.5%
+135.7% YoY+17.2% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
87.6%
+4.1% YoY+1.9% QoQ
|
+8.3% |
79.3%
-1.4% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$23,196
+3.9% YoY+1.5% QoQ
|
$-4K |
$27,294
+4.1% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
30.1%
+4.9% YoY-0.5% QoQ
|
+5.6% | 24.6% | 16.4% | 20.0% | 71% |
| Indirect Auto % |
23.0%
-0.5% YoY-1.2% QoQ
|
+9.4% | 13.6% | 2.7% | 7.7% | 75% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)