BlastPoint's Credit Union Scorecard
DIVISION 726
Charter #20336 · NY
DIVISION 726 has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.67% 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 4.18% below tier average
- - Efficiency ratio 45.63% above tier (higher cost structure)
- - Delinquency rate 4.19% above tier average
- - Net Charge-Off Rate: Bottom 2.8% in tier
- - Loan Growth Rate: Bottom 4.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.2% in tier
- - AMR Growth Rate: Bottom 6.5% in tier
- - Average Member Relationship (AMR): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,482
-1.4% YoY0% QoQ
|
-133 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$9.0M
-5.9% YoY-0.3% QoQ
|
$-21.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$4.5M
-21.5% YoY-6.2% QoQ
|
$-11.3M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$7.6M
-3.5% YoY+2.8% QoQ
|
$-18.1M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
-3.6%
-3113.6% YoY+18.9% QoQ
|
-4.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.5% in tier |
| NIM |
4.6%
-16.6% YoY+1.7% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
128.2%
+52.1% YoY-7.9% QoQ
|
+45.6% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 3.1% in tier |
| Delinquency Rate |
5.7%
+20.8% YoY-28.3% QoQ
|
+4.2 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 5.2% in tier |
| Loan To Share |
59.0%
-18.6% YoY-8.8% QoQ
|
-1.6% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$4,872
-9.9% YoY-0.7% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.8% in tier |
| CD Concentration |
28.3%
-8.7% YoY+0.2% QoQ
|
+3.9% | 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)