BlastPoint's Credit Union Scorecard
METRO REALTORS
Charter #20857 · NY
METRO REALTORS has 1 strength but faces 9 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 1.71% below tier average
- - Efficiency ratio 45.37% above tier (higher cost structure)
- - Member decline: -9.3% YoY
- - Asset Growth Rate: Bottom 2.9% in tier
- - Deposit Growth Rate: Bottom 3.9% in tier
- - First Mortgage Concentration (%): Bottom 5.9% in tier
- - Loan Growth Rate: Bottom 6.2% in tier
- - Share Certificate Concentration (%): Bottom 6.4% in tier
- - Member Growth Rate: Bottom 6.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,710
-9.3% YoY-1.9% QoQ
|
-915 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$11.5M
-13.1% YoY-3.0% QoQ
|
$-18.3M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$9.2M
-20.1% YoY-4.0% QoQ
|
$-6.6M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$10.2M
-13.8% YoY-3.4% QoQ
|
$-15.2M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
37% |
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| ROA |
-1.0%
-43.3% YoY+29.3% QoQ
|
-1.7% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.5% in tier |
| NIM |
3.3%
+13.1% YoY-4.5% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
126.8%
-13.3% YoY+12.1% QoQ
|
+45.4% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
1.2%
-55.6% YoY-28.2% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
89.9%
-7.2% YoY-0.6% QoQ
|
+28.6% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 11.0% in tier |
| AMR |
$11,338
-8.4% YoY-1.8% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
36% |
| CD Concentration |
41.4%
+14.2% YoY+2.3% QoQ
|
+17.0% |
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)
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)