BlastPoint's Credit Union Scorecard
GREATER METRO
Charter #20382 · NY
GREATER METRO has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 8.1% in tier
- + Total Assets: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency ratio 8.86% above tier (higher cost structure)
- - Delinquency rate 0.74% above tier average
- - Net Interest Margin (NIM): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,867
-0.5% YoY+1.1% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$76.7M
-3.6% YoY-1.3% QoQ
|
+$46.5M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 9.1% in tier |
| Loans |
$20.2M
-4.3% YoY-2.0% QoQ
|
+$4.5M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$67.6M
-5.1% YoY-2.1% QoQ
|
+$42.0M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 8.1% in tier |
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| ROA |
0.2%
-176.4% YoY+17.1% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
2.4%
+20.8% YoY+5.3% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.6% in tier |
| Efficiency Ratio |
91.4%
-15.0% YoY-0.6% QoQ
|
+8.9% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
2.3%
-7.9% YoY+8.6% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
29.9%
+0.8% YoY+0.1% QoQ
|
-30.7% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.2% in tier |
| AMR |
$22,723
-4.4% YoY-3.2% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 12.7% in tier |
| CD Concentration |
23.0%
-2.0% YoY+2.5% QoQ
|
-1.4% | 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)