BlastPoint's Credit Union Scorecard
BYKOTA
Charter #20419 · NY
2556 CUs in <100M nationally
183 in NY
BYKOTA has 4 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.93% below tier average
- - Efficiency ratio 28.95% above tier (higher cost structure)
- - Delinquency rate 25.14% above tier average
- - Member decline: -2.8% YoY
- - Net Worth Ratio: Bottom 0.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.8% in tier
- - Loan Growth Rate: Bottom 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
- - Loan-to-Share Ratio: Bottom 1.5% in tier
- - Average Member Relationship (AMR): Bottom 2.3% in tier
- - Total Loans: Bottom 2.8% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - AMR Growth Rate: Bottom 7.6% in tier
- - Total Assets: Bottom 7.7% in tier
- - Total Deposits: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
906
-2.8% YoY-0.8% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$1.6M
-3.3% YoY-0.5% QoQ
|
$-28.6M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.7% in tier |
| Loans |
$101,477
-60.6% YoY-27.3% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.8% in tier |
| Deposits |
$1.5M
-3.1% YoY-0.5% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.2% in tier |
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| ROA |
-0.3%
-25.7% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.9% in tier |
| NIM |
2.7%
-9.2% YoY+10.7% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio |
111.5%
-7.8% YoY-4.8% QoQ
|
+28.9% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 5.9% in tier |
| Delinquency Rate |
26.7%
-15.3% YoY-26.0% QoQ
|
+25.1 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 0.8% in tier |
| Loan To Share |
6.8%
-59.4% YoY-26.9% QoQ
|
-53.8% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.4% in tier |
| AMR |
$1,754
-8.9% YoY-2.1% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
509
Members Per Employee (MPE)
engagement
Value:
453.000
Peer Median: -
#509 of 2556
Top 19.9% in <100M tier
Top Weaknesses (16 metrics)
2541
Net Worth Ratio
risk
Value:
5.13%
Peer Median: -
#2541 of 2556
Bottom 0.6% in <100M tier
2536
Total Delinquency Rate (60+ days)
risk
Value:
26.70%
Peer Median: -
#2536 of 2556
Bottom 0.8% in <100M tier
2532
Loan Growth Rate
growth
Value:
-60.62%
Peer Median: -
#2532 of 2556
Bottom 1.0% in <100M tier
2523
Loan-to-Member Ratio (LMR)
engagement
Value:
$112.01
Peer Median: -
#2523 of 2556
Bottom 1.3% in <100M tier
2519
Loan-to-Share Ratio
balance_sheet
Value:
6.82%
Peer Median: -
#2519 of 2556
Bottom 1.5% in <100M tier
2499
Average Member Relationship (AMR)
engagement
Value:
$1,754
Peer Median: -
#2499 of 2556
Bottom 2.3% in <100M tier
2485
Total Loans
balance_sheet
Value:
$101,477
Peer Median: -
#2485 of 2556
Bottom 2.8% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2406
Efficiency Ratio
profitability
Value:
111.50%
Peer Median: -
#2406 of 2556
Bottom 5.9% in <100M tier
2363
AMR Growth Rate
growth
Value:
-8.85%
Peer Median: -
#2363 of 2556
Bottom 7.6% in <100M tier