BlastPoint's Credit Union Scorecard
DIVISION 726
Charter #20336 ยท NY
2596 CUs in <100M nationally
188 in NY
DIVISION 726 has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.61% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 3.68% below tier average
- - Efficiency ratio 57.86% above tier (higher cost structure)
- - Delinquency rate 6.50% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.9% in tier
- - Asset Growth Rate: Bottom 4.2% in tier
- - AMR Growth Rate: Bottom 5.3% in tier
- - Loan Growth Rate: Bottom 6.5% in tier
- - Deposit Growth Rate: Bottom 7.4% in tier
- - Average Member Relationship (AMR): Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,482
-1.7% YoY+0.4% QoQ
|
-143 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$9.0M
-11.2% YoY-2.7% QoQ
|
$-20.8M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$4.8M
-19.8% YoY-6.5% QoQ
|
$-11.0M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$7.4M
-10.0% YoY-3.3% QoQ
|
$-18.1M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
30% |
| ROA |
-3.0%
-2128.2% YoY+65.2% QoQ
|
-3.7% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.0% in tier |
| NIM |
4.5%
-17.5% YoY+2.1% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
139.3%
+68.5% YoY+22.6% QoQ
|
+57.9% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.9% in tier |
| Delinquency Rate |
8.0%
+85.7% YoY+37.6% QoQ
|
+6.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.9% in tier |
| Loan To Share |
64.7%
-10.9% YoY-3.3% QoQ
|
+3.4% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$4,908
-12.6% YoY-5.0% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.0% in tier |
| CD Concentration |
28.3%
-7.0% YoY-8.3% QoQ
|
+3.9% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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 (2 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
Top Weaknesses (11 metrics)
2543
Return on Assets (ROA)
profitability
Value:
-3.00%
Peer Avg: 0.68%
#2543 of 2596
Bottom 2.1% in <100M tier
2523
Efficiency Ratio
profitability
Value:
139.26%
Peer Avg: 81.39%
#2523 of 2596
Bottom 2.9% in <100M tier
2521
Total Delinquency Rate (60+ days)
risk
Value:
8.01%
Peer Avg: 1.51%
#2521 of 2596
Bottom 2.9% in <100M tier
2487
Asset Growth Rate
growth
Value:
-11.25%
Peer Avg: 1.82%
#2487 of 2596
Bottom 4.2% in <100M tier
2459
AMR Growth Rate
growth
Value:
-12.57%
Peer Avg: 4.67%
#2459 of 2596
Bottom 5.3% in <100M tier
2428
Loan Growth Rate
growth
Value:
-19.79%
Peer Avg: 59.01%
#2428 of 2596
Bottom 6.5% in <100M tier
2405
Deposit Growth Rate
growth
Value:
-9.96%
Peer Avg: 16.80%
#2405 of 2596
Bottom 7.4% in <100M tier
2363
Average Member Relationship (AMR)
engagement
Value:
$4,908
Peer Avg: $14,627
#2363 of 2596
Bottom 9.0% in <100M tier
2278
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,928
Peer Avg: $5,488
#2278 of 2596
Bottom 12.3% in <100M tier
2222
Net Charge-Off Rate
risk
Value:
0.99%
Peer Avg: 0.57%
#2222 of 2596
Bottom 14.4% in <100M tier