BlastPoint's Credit Union Scorecard
URBAN EMPOWERMENT
Charter #20060 · NY
<100M
2508 CUs in <100M nationally
179 in NY
URBAN EMPOWERMENT has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 6.1% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Fee Income Per Member: Top 0.1% in tier
- + Loan Growth Rate: Top 1.1% in tier
- + Deposit Growth Rate: Top 2.9% in tier
- + Member Growth Rate: Top 5.6% in tier
- + AMR Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 7.91% below tier average
- - Efficiency ratio 31.44% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.5% in tier
- - Total Members: Bottom 0.6% in tier
- - Total Loans: Bottom 1.2% in tier
- - Total Deposits: Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 2.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70
+6.1% YoY0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 0.5% in tier |
| Assets |
$372,083
+0.1% YoY+49.6% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.1% in tier |
| Loans |
$17,683
+43.2% YoY-9.2% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.2% in tier |
| Deposits |
$188,494
+15.9% YoY+7.6% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.5% in tier |
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| ROA |
-7.8%
-53.2% YoY-1055.4% QoQ
|
-7.9% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.0% in tier |
| NIM |
0.4%
-49.2% YoY-38.9% QoQ
|
-3.6% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.4% in tier |
| Efficiency Ratio |
122.1%
-7.7% YoY+23.5% QoQ
|
+31.4% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate | 0.0% | -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 |
9.4%
+23.6% YoY-15.6% QoQ
|
-49.1% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.8% in tier |
| AMR |
$2,945
+11.1% YoY+5.9% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.2% 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 (10 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
3
Fee Income Per Member
profitability
Value:
$1,851
Peer Median: $60.42
#3 of 2508
Top 0.1% in <100M tier
29
Loan Growth Rate
growth
Value:
43.19%
Peer Median: -2.36%
#29 of 2508
Top 1.1% in <100M tier
74
Deposit Growth Rate
growth
Value:
15.87%
Peer Median: 0.66%
#74 of 2508
Top 2.9% in <100M tier
142
Member Growth Rate
growth
Value:
6.06%
Peer Median: -1.37%
#142 of 2508
Top 5.6% in <100M tier
197
AMR Growth Rate
growth
Value:
11.06%
Peer Median: 1.27%
#197 of 2508
Top 7.8% 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
Top Weaknesses (11 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2497
Net Interest Margin (NIM)
profitability
Value:
0.36%
Peer Median: 3.83%
#2497 of 2508
Bottom 0.5% in <100M tier
2495
Total Members
engagement
Value:
70
Peer Median: 1,918
#2495 of 2508
Bottom 0.6% in <100M tier
2482
Return on Assets (ROA)
profitability
Value:
-7.76%
Peer Median: 0.61%
#2482 of 2508
Bottom 1.1% in <100M tier
2478
Total Loans
balance_sheet
Value:
$17,683
Peer Median: $9.48M
#2478 of 2508
Bottom 1.2% in <100M tier
2471
Total Deposits
balance_sheet
Value:
$188,494
Peer Median: $18.77M
#2471 of 2508
Bottom 1.5% in <100M tier
2460
Loan-to-Share Ratio
balance_sheet
Value:
9.38%
Peer Median: 58.72%
#2460 of 2508
Bottom 2.0% in <100M tier
2458
Loan-to-Member Ratio (LMR)
engagement
Value:
$252.61
Peer Median: $4,923
#2458 of 2508
Bottom 2.0% in <100M tier
2455
Total Assets
balance_sheet
Value:
$372,083
Peer Median: $21.86M
#2455 of 2508
Bottom 2.2% in <100M tier
2402
Average Member Relationship (AMR)
engagement
Value:
$2,945
Peer Median: $13,926
#2402 of 2508
Bottom 4.3% in <100M tier