BlastPoint's Credit Union Scorecard

B.S. AND C.P. HOSPITALS EMPLOYEES

Charter #20585 · NY

2596 CUs in <100M nationally 188 in NY

B.S. AND C.P. HOSPITALS EMPLOYEES has 13 strengths but faces 7 concerns

National Analysis

How does the industry compare?
NY Analysis

How does NY stack up?

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

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Tier 1
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Performance signatures (strengths & concerns)
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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
 23%
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
 50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 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)

Comparing against 2596 peers in tier

Top Strengths (14 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
4
Loan-to-Share Ratio
balance_sheet
Value: 141.30%
Peer Avg: -
#4 of 2596 Top 0.1% in <100M tier
16
Deposit Growth Rate
growth
Value: 39.28%
Peer Avg: -
#16 of 2596 Top 0.6% in <100M tier
18
AMR Growth Rate
growth
Value: 48.23%
Peer Avg: -
#18 of 2596 Top 0.7% in <100M tier
35
Net Interest Margin (NIM)
profitability
Value: 6.98%
Peer Avg: -
#35 of 2596 Top 1.3% in <100M tier
35
Asset Growth Rate
growth
Value: 22.37%
Peer Avg: -
#35 of 2596 Top 1.3% in <100M tier
36
Loan Growth Rate
growth
Value: 28.29%
Peer Avg: -
#36 of 2596 Top 1.3% in <100M tier

Top Weaknesses (9 metrics)

2468
Average Member Relationship (AMR)
engagement
Value: $3,129
Peer Avg: -
#2468 of 2596 Bottom 5.0% in <100M tier
2461
Total Deposits
balance_sheet
Value: $683,434
Peer Avg: -
#2461 of 2596 Bottom 5.2% in <100M tier
2457
Member Growth Rate
growth
Value: -10.53%
Peer Avg: -
#2457 of 2596 Bottom 5.4% in <100M tier
2446
Total Assets
balance_sheet
Value: $1.04M
Peer Avg: -
#2446 of 2596 Bottom 5.8% in <100M tier
2429
Members Per Employee (MPE)
engagement
Value: 105.400
Peer Avg: -
#2429 of 2596 Bottom 6.5% in <100M tier
2347
Fee Income Per Member
profitability
Value: $1.81
Peer Avg: -
#2347 of 2596 Bottom 9.6% in <100M tier
2305
Loan-to-Member Ratio (LMR)
engagement
Value: $1,832
Peer Avg: -
#2305 of 2596 Bottom 11.2% in <100M tier
2300
Total Loans
balance_sheet
Value: $965,707
Peer Avg: -
#2300 of 2596 Bottom 11.4% in <100M tier
2215
Total Members
engagement
Value: 527
Peer Avg: -
#2215 of 2596 Bottom 14.7% in <100M tier
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