BlastPoint's Credit Union Scorecard
B.S. AND C.P. HOSPITALS EMPLOYEES
Charter #20585 · NY
<100M
2556 CUs in <100M nationally
183 in NY
B.S. AND C.P. HOSPITALS EMPLOYEES has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.10% above tier average
- + Strong member growth: 5.7% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.3% in tier
- + Net Worth Ratio: Top 4.3% in tier
- + Member Growth Rate: Top 5.3% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 15.48% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Total Deposits: Bottom 4.8% in tier
- - Total Assets: Bottom 5.5% in tier
- - Members Per Employee (MPE): Bottom 6.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
539
+5.7% YoY+2.3% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 14.6% in tier |
| Assets |
$1.0M
+2.3% YoY-2.4% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.5% in tier |
| Loans |
$867,215
+0.0% YoY-10.2% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.1% in tier |
| Deposits |
$651,284
+3.8% YoY-4.7% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.7% in tier |
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| ROA |
0.1%
-110.0% YoY-95.6% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
5.1%
+24.2% YoY-27.6% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 13.3% in tier |
| Efficiency Ratio |
98.0%
-20.6% YoY+48.6% QoQ
|
+15.5% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.3% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
133.2%
-3.6% YoY-5.8% QoQ
|
+72.5% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 0.4% in tier |
| AMR |
$2,817
-3.9% YoY-10.0% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.3% 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)
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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
8
Loan-to-Share Ratio
balance_sheet
Value:
133.15%
Peer Median: -
#8 of 2556
Top 0.3% in <100M tier
110
Net Worth Ratio
risk
Value:
33.04%
Peer Median: -
#110 of 2556
Top 4.3% in <100M tier
136
Member Growth Rate
growth
Value:
5.69%
Peer Median: -
#136 of 2556
Top 5.3% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
341
Net Interest Margin (NIM)
profitability
Value:
5.05%
Peer Median: -
#341 of 2556
Top 13.3% in <100M tier
Top Weaknesses (11 metrics)
2446
Average Member Relationship (AMR)
engagement
Value:
$2,817
Peer Median: -
#2446 of 2556
Bottom 4.3% in <100M tier
2435
Total Deposits
balance_sheet
Value:
$651,284
Peer Median: -
#2435 of 2556
Bottom 4.8% in <100M tier
2416
Total Assets
balance_sheet
Value:
$1.01M
Peer Median: -
#2416 of 2556
Bottom 5.5% in <100M tier
2390
Members Per Employee (MPE)
engagement
Value:
107.800
Peer Median: -
#2390 of 2556
Bottom 6.5% in <100M tier
2319
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,609
Peer Median: -
#2319 of 2556
Bottom 9.3% in <100M tier
2298
Total Loans
balance_sheet
Value:
$867,215
Peer Median: -
#2298 of 2556
Bottom 10.1% in <100M tier
2216
Efficiency Ratio
profitability
Value:
98.04%
Peer Median: -
#2216 of 2556
Bottom 13.3% in <100M tier
2181
Total Members
engagement
Value:
539
Peer Median: -
#2181 of 2556
Bottom 14.7% in <100M tier
2164
Fee Income Per Member
profitability
Value:
$6.82
Peer Median: -
#2164 of 2556
Bottom 15.4% in <100M tier
2042
AMR Growth Rate
growth
Value:
-3.86%
Peer Median: -
#2042 of 2556
Bottom 20.1% in <100M tier