BlastPoint's Credit Union Scorecard
SECNY
Charter #20496 · NY
SECNY has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.47% below tier average
- - Efficiency ratio 10.20% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.9% in tier
- - First Mortgage Concentration (%): Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,005
-0.2% YoY+0.4% QoQ
|
+567 |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
61% |
| Assets |
$310.4M
+8.2% YoY+1.4% QoQ
|
+$78.6M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$161.5M
+4.1% YoY+0.4% QoQ
|
+$14.1M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$285.4M
+8.9% YoY+1.9% QoQ
|
+$84.6M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
0.3%
-35.6% YoY-4.1% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.0%
-2.9% YoY+0.2% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
87.2%
+5.0% YoY+0.2% QoQ
|
+10.2% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.9%
-27.7% YoY-23.4% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
56.6%
-4.5% YoY-1.5% QoQ
|
-15.7% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$27,919
+7.3% YoY+1.0% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
21.4%
+28.9% YoY+1.8% QoQ
|
-3.0% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)