BlastPoint's Credit Union Scorecard
DIVISION 726
Charter #20336 · NY
DIVISION 726 has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.84% above tier average
- + Net Interest Margin 1.75% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 5.67% above tier average
- - Net Charge-Off Rate: Bottom 0.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.7% in tier
- - AMR Growth Rate: Bottom 4.9% in tier
- - Loan Growth Rate: Bottom 6.1% in tier
- - Average Member Relationship (AMR): Bottom 7.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -6.5% year over year ($7.2M in shares and deposits).
- Membership: 2,495 members, +1.0% vs a year ago.
- Delinquency rate 7.22%.
- Return on assets 2.33%.
- Efficiency ratio 88.79% vs a 88.77% peer average.
- Loan-to-share ratio 56.62% vs a 58.89% 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 |
2,495
+1.0% YoY+0.7% QoQ
|
-90 |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$8.7M
-5.9% YoY-2.4% QoQ
|
$-21.5M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$4.1M
-20.8% YoY-2.9% QoQ
|
$-11.4M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$7.2M
-6.5% YoY-1.9% QoQ
|
$-18.6M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
2.3%
-228.7% YoY+401.2% QoQ
|
+0.8% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 6.4% in tier |
| NIM |
5.7%
+26.9% YoY+8.5% QoQ
|
+1.8% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 5.3% in tier |
| Efficiency Ratio |
88.8%
-21.8% YoY-5.1% QoQ
|
+0.0% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
7.2%
+24.0% YoY-1.1% QoQ
|
+5.7 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.7% in tier |
| Loan To Share |
56.6%
-15.3% YoY-1.1% QoQ
|
-2.3% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
47% |
| AMR |
$4,490
-13.1% YoY-3.0% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.5% in tier |
| CD Concentration |
27.7%
-10.2% YoY-6.8% QoQ
|
+3.2% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)