BlastPoint's Credit Union Scorecard

MEDISYS EMPLOYEES

Charter #20885 · NY

<100M

2556 CUs in <100M nationally 183 in NY

MEDISYS EMPLOYEES demonstrates 4 strengths

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 0.12% above tier average
+ Net Interest Margin 0.18% above tier average
+ Loan Growth Rate: Top 6.4% in tier
+ Members Per Employee (MPE): Top 8.2% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	3,500 +2.8% YoY+0.4% QoQ	+884	2,615 -1.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	74%
Assets	$32.7M +2.3% YoY-1.7% QoQ	+$2.5M	$30.1M +2.1% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	62%
Loans	$10.1M +14.0% YoY+7.1% QoQ	$-5.6M	$15.8M -1.3% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	51%
Deposits	$29.6M +1.9% YoY-2.0% QoQ	+$3.9M	$25.7M +1.4% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	64%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +41.4% YoY+15.3% QoQ	+0.1%	0.6% +10.8% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	53%
NIM	4.1% +17.2% YoY+2.7% QoQ	+0.2%	4.0% +4.0% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	76.5% -3.8% YoY-3.0% QoQ	-6.1%	82.6% -2.3% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	42%
Delinquency Rate	0.4% -50.5% YoY+15.4% QoQ	-1.1	1.6% -3.1% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	37%
Loan To Share	34.2% +11.9% YoY+9.3% QoQ	-26.5%	60.6% -3.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	Bottom 13.6% in tier
AMR	$11,351 +1.9% YoY-0.3% QoQ	$-3K	$14,783 -1.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	35%
CD Concentration	8.1% +1.4% YoY-12.6% QoQ	-16.3%	24.4%	16.3%	19.8%	50%
Indirect Auto %	4.2% -40.3% YoY-15.2% QoQ	-9.6%	13.8%	2.6%	7.8%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (3 metrics)

165

Loan Growth Rate

growth

Value: 14.01%

Peer Median: -

#165 of 2556 Top 6.4% in <100M tier

210

Members Per Employee (MPE)

engagement

Value: 583.333

Peer Median: -

#210 of 2556 Top 8.2% in <100M tier

299

Member Growth Rate

growth

Value: 2.76%

Peer Median: -

#299 of 2556 Top 11.7% in <100M tier

Top Weaknesses (5 metrics)

2274

Net Worth Ratio

risk

Value: 9.21%

Peer Median: -

#2274 of 2556 Bottom 11.1% in <100M tier

2254

Indirect Auto Concentration (%)

balance_sheet

Value: 4.20%

Peer Median: -

#2254 of 2556 Bottom 11.9% in <100M tier

2206

Loan-to-Share Ratio

balance_sheet

Value: 34.15%

Peer Median: -

#2206 of 2556 Bottom 13.7% in <100M tier

1986

Loan-to-Member Ratio (LMR)

engagement

Value: $2,890

Peer Median: -

#1986 of 2556 Bottom 22.3% in <100M tier

1952

Net Charge-Off Rate

risk

Value: 0.69%

Peer Median: -

#1952 of 2556 Bottom 23.7% in <100M tier