BlastPoint's Credit Union Scorecard
SLOAN PUBLIC SCHOOLS
Charter #20292 · NY
SLOAN PUBLIC SCHOOLS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 8.1% in tier
- + Loan-to-Share Ratio: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 12.66% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 3.7% in tier
- - Total Assets: Bottom 8.5% in tier
- - Total Deposits: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
491
+0.4% YoY+0.2% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 13.3% in tier |
| Assets |
$1.7M
+0.2% YoY-2.8% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.5% in tier |
| Loans |
$1.4M
+3.5% YoY-2.2% QoQ
|
$-14.4M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.5% in tier |
| Deposits |
$1.5M
+0.1% YoY-3.3% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.1% in tier |
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| ROA |
0.2%
-27.1% YoY+67.5% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
3.5%
+1.9% YoY+7.4% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
95.2%
+2.0% YoY-1.8% QoQ
|
+12.7% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.7%
-30.4% YoY-5.9% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
92.1%
+3.4% YoY+1.2% QoQ
|
+31.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 8.5% in tier |
| AMR |
$5,759
+1.3% YoY-3.0% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.3% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)