BlastPoint's Credit Union Scorecard
UPSTATE MILK EMPLOYEES
Charter #20547 · NY
UPSTATE MILK EMPLOYEES has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 1.83% above tier (higher cost structure)
- - Member decline: -7.5% YoY
- - Net Charge-Off Rate: Bottom 1.7% in tier
- - Member Growth Rate: Bottom 9.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -3.4% year over year ($2.2M in shares and deposits).
- Membership: 429 members, -7.5% vs a year ago.
- Delinquency rate 0.74%.
- Return on assets 1.14%.
- Efficiency ratio 90.60% vs a 88.77% peer average.
- Loan-to-share ratio 37.61% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
429
-7.5% YoY-2.9% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 12.0% in tier |
| Assets |
$2.5M
-3.5% YoY-0.9% QoQ
|
$-27.8M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.8% in tier |
| Loans |
$840,855
-13.2% YoY-4.4% QoQ
|
$-14.6M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.2% in tier |
| Deposits |
$2.2M
-3.4% YoY-0.3% QoQ
|
$-23.6M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.1% in tier |
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| ROA |
1.1%
+223.6% YoY+236.6% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
4.4%
+12.9% YoY+3.9% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
90.6%
-0.6% YoY+0.3% QoQ
|
+1.8% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.7%
-81.9% YoY-80.1% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
37.6%
-10.1% YoY-4.1% QoQ
|
-21.3% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$7,172
+1.4% YoY+1.5% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
15% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)