BlastPoint's Credit Union Scorecard
HIGH POINT
Charter #21083 · NY
HIGH POINT has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.49% above tier average
- + Strong member growth: 11.1% YoY
- + Fee Income Per Member: Top 0.6% in tier
- + Loan Growth Rate: Top 3.5% in tier
- + Member Growth Rate: Top 3.7% in tier
- + Total Deposits: Top 6.1% in tier
- + Total Assets: Top 6.2% in tier
- + Efficiency Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,641
+11.1% YoY+7.7% QoQ
|
+7.5K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$433.8M
+6.5% YoY+4.6% QoQ
|
+$202.1M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Top 6.3% in tier |
| Loans |
$228.8M
+19.8% YoY+5.8% QoQ
|
+$84.7M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
83% |
| Deposits |
$376.6M
+5.6% YoY+4.7% QoQ
|
+$175.5M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Top 6.2% in tier |
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| ROA |
2.2%
+518.4% YoY+501.3% QoQ
|
+1.5% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 2.1% in tier |
| NIM |
2.9%
+10.9% YoY+7.1% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 11.4% in tier |
| Efficiency Ratio |
58.6%
-34.1% YoY-33.0% QoQ
|
-19.5% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 6.7% in tier |
| Delinquency Rate |
0.8%
-8.7% YoY+29.0% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
60.8%
+13.4% YoY+1.1% QoQ
|
-9.7% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$26,741
-0.5% YoY-2.4% QoQ
|
+$2K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
23.5%
-2.3% YoY-7.0% QoQ
|
-0.8% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % |
27.0%
-2.3% YoY-3.0% QoQ
|
+13.2% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)