BlastPoint's Credit Union Scorecard

TEG

Charter #19401 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

TEG has 7 strengths but faces 3 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.23% above tier average
+ Net Interest Margin 0.50% above tier average
+ Total Assets: Top 0.2% in tier
+ Total Deposits: Top 0.3% in tier
+ Total Loans: Top 0.6% in tier
+ Total Members: Top 2.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	35,724 +1.7% YoY+0.2% QoQ	+20.6K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	Top 2.9% in tier
Assets	$498.0M +6.1% YoY+1.7% QoQ	+$266.3M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	Top 0.3% in tier
Loans	$377.3M +7.5% YoY+0.7% QoQ	+$233.2M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	Top 0.7% in tier
Deposits	$438.9M +7.3% YoY+1.6% QoQ	+$237.8M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	Top 0.4% in tier

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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	1.0% +15.3% YoY+32.0% QoQ	+0.2%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	68%
NIM	4.1% +3.2% YoY+2.4% QoQ	+0.5%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	80%
Efficiency Ratio	77.4% -7.0% YoY-7.2% QoQ	-0.6%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	45%
Delinquency Rate	0.4% +135.9% YoY-6.9% QoQ	-0.3	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	36%
Loan To Share	86.0% +0.2% YoY-0.9% QoQ	+15.5%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	81%
AMR	$22,849 +5.5% YoY+1.0% QoQ	$-2K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	49%
CD Concentration	30.3% +8.8% YoY+1.0% QoQ	+6.0%	24.3%	16.4%	19.8%	50%
Indirect Auto %	23.3% -0.9% YoY+11.0% QoQ	+9.5%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#433 of 491 • 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): 5.53%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk

#144 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.49%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.25% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#279 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#292 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.07%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 23.32%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.74%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (8 metrics)

Total Assets

balance_sheet

Value: $497.98M

Peer Median: $196.57M

#3 of 1070 Top 0.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $438.92M

Peer Median: $171.29M

#4 of 1070 Top 0.3% in 100M-500M tier

Total Loans

balance_sheet

Value: $377.32M

Peer Median: $121.41M

#7 of 1070 Top 0.6% in 100M-500M tier

Total Members

engagement

Value: 35,724

Peer Median: 13,200

#31 of 1070 Top 2.8% in 100M-500M tier

199

Fee Income Per Member

profitability

Value: $219.08

Peer Median: $154.95

#199 of 1070 Top 18.5% in 100M-500M tier

208

Loan-to-Share Ratio

balance_sheet

Value: 85.96%

Peer Median: 71.88%

#208 of 1070 Top 19.3% in 100M-500M tier

213

Net Interest Margin (NIM)

profitability

Value: 4.14%

Peer Median: 3.62%

#213 of 1070 Top 19.8% in 100M-500M tier

226

Deposit Growth Rate

growth

Value: 7.27%

Peer Median: 3.30%

#226 of 1070 Top 21.0% in 100M-500M tier

Top Weaknesses (2 metrics)

938

Net Worth Ratio

risk

Value: 8.87%

Peer Median: 11.45%

#938 of 1070 Bottom 12.4% in 100M-500M tier

826

Indirect Auto Concentration (%)

balance_sheet

Value: 23.32%

Peer Median: 6.61%

#826 of 1070 Bottom 22.9% in 100M-500M tier