BlastPoint's Credit Union Scorecard
BYKOTA
Charter #20419 · NY
2596 CUs in <100M nationally
188 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 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 35.75% above tier (higher cost structure)
- - Delinquency rate 34.56% above tier average
- - Member decline: -3.4% YoY
- - Net Worth Ratio: Bottom 0.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- - Loan Growth Rate: Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.6% in tier
- - Loan-to-Share Ratio: Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 2.5% in tier
- - Total Loans: Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Net Interest Margin (NIM): Bottom 6.6% in tier
- - Total Assets: Bottom 8.0% in tier
- - Total Deposits: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
913
-3.4% YoY-0.5% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$1.6M
-2.2% YoY-2.2% QoQ
|
$-28.3M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.9% in tier |
| Loans |
$139,650
-49.0% YoY-25.8% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.3% in tier |
| Deposits |
$1.5M
-1.8% YoY-2.1% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.4% in tier |
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| ROA |
-0.4%
-90.7% YoY+109.5% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.7% in tier |
| NIM |
2.4%
-18.0% YoY+13.7% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.6% in tier |
| Efficiency Ratio |
117.1%
-3.9% YoY+7.2% QoQ
|
+35.8% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 4.6% in tier |
| Delinquency Rate |
36.1%
+57.1% YoY-4.3% QoQ
|
+34.6 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 0.7% in tier |
| Loan To Share |
9.3%
-48.1% YoY-24.3% QoQ
|
-51.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.6% in tier |
| AMR |
$1,791
-5.8% YoY-4.1% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.5% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
513
Members Per Employee (MPE)
engagement
Value:
456.500
Peer Avg: -
#513 of 2596
Top 19.7% in <100M tier
Top Weaknesses (14 metrics)
2582
Net Worth Ratio
risk
Value:
5.10%
Peer Avg: -
#2582 of 2596
Bottom 0.6% in <100M tier
2580
Total Delinquency Rate (60+ days)
risk
Value:
36.07%
Peer Avg: -
#2580 of 2596
Bottom 0.7% in <100M tier
2564
Loan Growth Rate
growth
Value:
-49.04%
Peer Avg: -
#2564 of 2596
Bottom 1.3% in <100M tier
2556
Loan-to-Member Ratio (LMR)
engagement
Value:
$152.96
Peer Avg: -
#2556 of 2596
Bottom 1.6% in <100M tier
2550
Loan-to-Share Ratio
balance_sheet
Value:
9.34%
Peer Avg: -
#2550 of 2596
Bottom 1.8% in <100M tier
2531
Average Member Relationship (AMR)
engagement
Value:
$1,791
Peer Avg: -
#2531 of 2596
Bottom 2.5% in <100M tier
2510
Total Loans
balance_sheet
Value:
$139,650
Peer Avg: -
#2510 of 2596
Bottom 3.4% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2477
Efficiency Ratio
profitability
Value:
117.14%
Peer Avg: -
#2477 of 2596
Bottom 4.6% in <100M tier
2425
Net Interest Margin (NIM)
profitability
Value:
2.41%
Peer Avg: -
#2425 of 2596
Bottom 6.6% in <100M tier