BlastPoint's Credit Union Scorecard
BYKOTA
Charter #20419 · NY
BYKOTA faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.77% below tier average
- - Efficiency ratio 66.04% above tier (higher cost structure)
- - Delinquency rate 24.55% above tier average
- - Member decline: -2.9% YoY
- - Net Worth Ratio: Bottom 0.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.8% in tier
- - Loan Growth Rate: Bottom 0.9% in tier
- - Loan-to-Share Ratio: Bottom 1.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
901
-2.9% YoY-0.6% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$1.6M
-2.9% YoY+0.2% QoQ
|
$-28.6M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.7% in tier |
| Loans |
$70,656
-68.1% YoY-30.4% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.5% in tier |
| Deposits |
$1.5M
-2.4% YoY+0.6% QoQ
|
$-24.3M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.1% in tier |
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| ROA |
-1.6%
+477.6% YoY+428.8% QoQ
|
-1.8% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.7% in tier |
| NIM |
2.9%
+10.1% YoY+7.0% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio |
156.7%
+41.4% YoY+40.5% QoQ
|
+66.0% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate |
26.1%
-28.7% YoY-2.4% QoQ
|
+24.6 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.8% in tier |
| Loan To Share |
4.7%
-67.3% YoY-30.8% QoQ
|
-53.8% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.9% in tier |
| AMR |
$1,739
-8.0% YoY-0.8% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)