BlastPoint's Credit Union Scorecard
B.S. AND C.P. HOSPITALS EMPLOYEES
Charter #20585 · NY
<100M
2508 CUs in <100M nationally
179 in NY
B.S. AND C.P. HOSPITALS EMPLOYEES has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.38% above tier average
- + Net Interest Margin 2.36% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Net Worth Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 4.6% in tier
- - Total Deposits: Bottom 4.8% in tier
- - Total Assets: Bottom 5.3% in tier
- - Members Per Employee (MPE): Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
532
+1.5% YoY-1.3% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 14.6% in tier |
| Assets |
$998,804
+1.6% YoY-1.1% QoQ
|
$-29.2M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.3% in tier |
| Loans |
$949,551
+5.4% YoY+9.5% QoQ
|
$-14.3M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.2% in tier |
| Deposits |
$661,207
+3.3% YoY+1.5% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
-63.0% YoY+1343.2% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 14.3% in tier |
| NIM |
6.4%
-26.3% YoY+26.0% QoQ
|
+2.4% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 2.6% in tier |
| Efficiency Ratio |
76.5%
+46.6% YoY-22.0% QoQ
|
-14.2% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
143.6%
+2.0% YoY+7.9% QoQ
|
+85.1% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 0.2% in tier |
| AMR |
$3,028
+3.0% YoY+7.5% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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 (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
3
Loan-to-Share Ratio
balance_sheet
Value:
143.61%
Peer Median: 58.72%
#3 of 2508
Top 0.1% in <100M tier
64
Net Interest Margin (NIM)
profitability
Value:
6.37%
Peer Median: 3.83%
#64 of 2508
Top 2.5% in <100M tier
99
Net Worth Ratio
risk
Value:
33.80%
Peer Median: 14.28%
#99 of 2508
Top 3.9% in <100M tier
359
Return on Assets (ROA)
profitability
Value:
1.53%
Peer Median: 0.61%
#359 of 2508
Top 14.3% in <100M tier
488
Loan Growth Rate
growth
Value:
5.37%
Peer Median: -2.36%
#488 of 2508
Top 19.4% in <100M tier
494
Member Growth Rate
growth
Value:
1.53%
Peer Median: -1.37%
#494 of 2508
Top 19.7% in <100M tier
Top Weaknesses (8 metrics)
2393
Average Member Relationship (AMR)
engagement
Value:
$3,028
Peer Median: $13,926
#2393 of 2508
Bottom 4.6% in <100M tier
2389
Total Deposits
balance_sheet
Value:
$661,207
Peer Median: $18.77M
#2389 of 2508
Bottom 4.8% in <100M tier
2376
Total Assets
balance_sheet
Value:
$998,804
Peer Median: $21.86M
#2376 of 2508
Bottom 5.3% in <100M tier
2342
Members Per Employee (MPE)
engagement
Value:
106.400
Peer Median: 333.750
#2342 of 2508
Bottom 6.7% in <100M tier
2228
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,785
Peer Median: $4,923
#2228 of 2508
Bottom 11.2% in <100M tier
2227
Total Loans
balance_sheet
Value:
$949,551
Peer Median: $9.48M
#2227 of 2508
Bottom 11.2% in <100M tier
2219
Fee Income Per Member
profitability
Value:
$2.54
Peer Median: $60.42
#2219 of 2508
Bottom 11.6% in <100M tier
2139
Total Members
engagement
Value:
532
Peer Median: 1,918
#2139 of 2508
Bottom 14.8% in <100M tier