BlastPoint's Credit Union Scorecard
DIVISION 726
Charter #20336 · NY
DIVISION 726 has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 1.20% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.91% above tier (higher cost structure)
- - Delinquency rate 5.79% above tier average
- - Net Charge-Off Rate: Bottom 0.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.5% in tier
- - AMR Growth Rate: Bottom 3.9% in tier
- - Loan Growth Rate: Bottom 4.9% in tier
- - Asset Growth Rate: Bottom 7.0% in tier
- - Average Member Relationship (AMR): Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,477
+0.0% YoY-0.2% QoQ
|
-199 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$9.0M
-8.5% YoY-0.6% QoQ
|
$-21.2M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$4.2M
-22.7% YoY-7.0% QoQ
|
$-11.1M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$7.3M
-7.4% YoY-4.1% QoQ
|
$-18.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
29% |
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| ROA |
0.5%
-118.8% YoY-113.1% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
5.2%
+15.5% YoY+12.6% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
93.5%
-19.6% YoY-27.0% QoQ
|
+2.9% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
75% |
| Delinquency Rate |
7.3%
+34.3% YoY+26.9% QoQ
|
+5.8 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.5% in tier |
| Loan To Share |
57.2%
-16.6% YoY-3.0% QoQ
|
-1.3% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$4,628
-13.7% YoY-5.0% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.0% in tier |
| CD Concentration |
29.7%
-4.5% YoY+5.0% QoQ
|
+5.5% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)