BlastPoint's Credit Union Scorecard
METRO REALTORS
Charter #20857 · NY
METRO REALTORS has 1 strength but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.94% below tier average
- - Efficiency ratio 52.77% above tier (higher cost structure)
- - Delinquency rate 0.44% above tier average
- - Member decline: -9.2% YoY
- - Asset Growth Rate: Bottom 4.2% in tier
- - First Mortgage Concentration (%): Bottom 5.5% in tier
- - Deposit Growth Rate: Bottom 6.1% in tier
- - Member Growth Rate: Bottom 6.4% in tier
- - Share Certificate Concentration (%): Bottom 7.0% in tier
- - Loan Growth Rate: Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,621
-9.2% YoY-5.2% QoQ
|
-994 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$11.1M
-10.3% YoY-3.8% QoQ
|
$-19.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$8.7M
-18.1% YoY-5.1% QoQ
|
$-7.1M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$9.8M
-10.7% YoY-3.6% QoQ
|
$-15.8M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
-1.3%
-22.3% YoY+28.5% QoQ
|
-1.9% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.5% in tier |
| NIM |
3.2%
+5.2% YoY-0.9% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
135.3%
-5.6% YoY+6.7% QoQ
|
+52.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 2.6% in tier |
| Delinquency Rate |
2.0%
+7.7% YoY+65.0% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
88.5%
-8.3% YoY-1.5% QoQ
|
+27.9% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 11.8% in tier |
| AMR |
$11,444
-5.7% YoY+0.9% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
40.7%
+6.5% YoY-1.7% QoQ
|
+16.3% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)