BlastPoint's Credit Union Scorecard
UPSTATE MILK EMPLOYEES
Charter #20547 · NY
UPSTATE MILK EMPLOYEES has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.20% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Efficiency ratio 6.78% above tier (higher cost structure)
- - Delinquency rate 2.19% above tier average
- - Member decline: -5.0% YoY
- - Total Delinquency Rate (60+ days): Bottom 9.5% in tier
- - Total Loans: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
455
-5.0% YoY0% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 12.4% in tier |
| Assets |
$2.5M
+3.6% YoY-4.3% QoQ
|
$-27.7M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.0% in tier |
| Loans |
$834,383
-13.4% YoY-4.7% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.9% in tier |
| Deposits |
$2.2M
+3.6% YoY-4.8% QoQ
|
$-23.5M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.3% in tier |
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| ROA |
0.4%
-14.7% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
4.2%
+12.0% YoY+4.2% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
89.3%
-7.4% YoY+1.6% QoQ
|
+6.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
3.7%
+6.0% YoY+4.9% QoQ
|
+2.2 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.5% in tier |
| Loan To Share |
37.5%
-16.4% YoY+0.1% QoQ
|
-23.2% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$6,730
+3.5% YoY-4.8% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.0% 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)
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)