BlastPoint's Credit Union Scorecard
B.S. AND C.P. HOSPITALS EMPLOYEES
Charter #20585 · NY
B.S. AND C.P. HOSPITALS EMPLOYEES has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.04% above tier average
- + Net Interest Margin 3.01% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 0.2% in tier
- + Net Worth Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Total Deposits: Bottom 4.7% in tier
- - Total Assets: Bottom 5.3% in tier
- - Deposit Growth Rate: Bottom 5.8% in tier
- - Members Per Employee (MPE): Bottom 6.3% in tier
- - Asset Growth Rate: Bottom 7.9% 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 -11.4% year over year ($667K in shares and deposits).
- Membership: 524 members, -0.8% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 2.54%.
- Efficiency ratio 64.29% vs a 88.77% peer average.
- Loan-to-share ratio 134.62% 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 |
524
-0.8% YoY-1.5% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 14.2% in tier |
| Assets |
$1.0M
-8.0% YoY+1.4% QoQ
|
$-29.3M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.3% in tier |
| Loans |
$897,485
-2.4% YoY-5.5% QoQ
|
$-14.6M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.7% in tier |
| Deposits |
$666,662
-11.4% YoY+0.8% QoQ
|
$-25.1M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.5%
-20.4% YoY+65.6% QoQ
|
+1.0% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 5.6% in tier |
| NIM |
6.9%
-8.5% YoY+8.5% QoQ
|
+3.0% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
64.3%
+10.5% YoY-15.9% QoQ
|
-24.5% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
134.6%
+10.1% YoY-6.3% QoQ
|
+75.7% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 0.4% in tier |
| AMR |
$2,985
-5.8% YoY-1.4% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.3% in tier |
| 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)