B.S. AND C.P. HOSPITALS EMPLOYEES
Charter #20585 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
B.S. AND C.P. HOSPITALS EMPLOYEES has 13 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.72% above tier average
- + Net Interest Margin 3.04% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.6% in tier
- + AMR Growth Rate: Top 0.7% in tier
- + Asset Growth Rate: Top 1.3% in tier
- + Loan Growth Rate: Top 1.3% in tier
- + Net Worth Ratio: Top 3.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -10.5% YoY
- - Average Member Relationship (AMR): Bottom 5.0% in tier
- - Total Deposits: Bottom 5.2% in tier
- - Member Growth Rate: Bottom 5.4% in tier
- - Total Assets: Bottom 5.8% in tier
- - Members Per Employee (MPE): Bottom 6.5% in tier
- - Fee Income Per Member: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
527
-10.5% YoY-0.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 14.6% in tier |
| Assets |
$1.0M
+22.4% YoY-6.0% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.8% in tier |
| Loans |
$965,707
+28.3% YoY+5.0% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.4% in tier |
| Deposits |
$683,434
+39.3% YoY-9.2% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.2% in tier |
| ROA |
2.4%
+24.2% YoY-24.5% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 4.4% in tier |
| NIM |
7.0%
-3.4% YoY-7.6% QoQ
|
+3.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
66.0%
-10.4% YoY+13.4% QoQ
|
-15.4% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 23.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
141.3%
-7.9% YoY+15.6% QoQ
|
+80.1% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 0.3% in tier |
| AMR |
$3,129
+48.2% YoY-1.2% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (14 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
4
Loan-to-Share Ratio
balance_sheet
Value:
141.30%
Peer Avg: 61.23%
#4 of 2596
Top 0.1% in <100M tier
16
Deposit Growth Rate
growth
Value:
39.28%
Peer Avg: 16.80%
#16 of 2596
Top 0.6% in <100M tier
18
AMR Growth Rate
growth
Value:
48.23%
Peer Avg: 4.67%
#18 of 2596
Top 0.7% in <100M tier
35
Net Interest Margin (NIM)
profitability
Value:
6.98%
Peer Avg: 3.93%
#35 of 2596
Top 1.3% in <100M tier
35
Asset Growth Rate
growth
Value:
22.37%
Peer Avg: 1.82%
#35 of 2596
Top 1.3% in <100M tier
36
Loan Growth Rate
growth
Value:
28.29%
Peer Avg: 59.01%
#36 of 2596
Top 1.3% in <100M tier
Top Weaknesses (9 metrics)
2468
Average Member Relationship (AMR)
engagement
Value:
$3,129
Peer Avg: $14,627
#2468 of 2596
Bottom 5.0% in <100M tier
2461
Total Deposits
balance_sheet
Value:
$683,434
Peer Avg: $25.45M
#2461 of 2596
Bottom 5.2% in <100M tier
2457
Member Growth Rate
growth
Value:
-10.53%
Peer Avg: 14.92%
#2457 of 2596
Bottom 5.4% in <100M tier
2446
Total Assets
balance_sheet
Value:
$1.04M
Peer Avg: $29.86M
#2446 of 2596
Bottom 5.8% in <100M tier
2429
Members Per Employee (MPE)
engagement
Value:
105.400
Peer Avg: 365.701
#2429 of 2596
Bottom 6.5% in <100M tier
2347
Fee Income Per Member
profitability
Value:
$1.81
Peer Avg: $182.96
#2347 of 2596
Bottom 9.6% in <100M tier
2305
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,832
Peer Avg: $5,488
#2305 of 2596
Bottom 11.2% in <100M tier
2300
Total Loans
balance_sheet
Value:
$965,707
Peer Avg: $15.77M
#2300 of 2596
Bottom 11.4% in <100M tier
2215
Total Members
engagement
Value:
527
Peer Avg: 2,626
#2215 of 2596
Bottom 14.7% in <100M tier