BlastPoint's Credit Union Scorecard
SCF WESTCHESTER N. Y. EMPLOYEES
Charter #21231 · NY
<100M
2508 CUs in <100M nationally
179 in NY
SCF WESTCHESTER N. Y. EMPLOYEES has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.82% above tier average
- + Strong member growth: 5.5% YoY
- + Loan Growth Rate: Top 5.3% in tier
- + Member Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.71% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 6.8% in tier
- - Total Loans: Bottom 7.1% in tier
- - Average Member Relationship (AMR): Bottom 7.3% in tier
- - Total Assets: Bottom 7.8% in tier
- - Total Deposits: Bottom 8.0% in tier
- - Members Per Employee (MPE): Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
382
+5.5% YoY+3.8% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 10.4% in tier |
| Assets |
$1.6M
-4.4% YoY-7.6% QoQ
|
$-28.6M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.7% in tier |
| Loans |
$448,553
+15.6% YoY-4.2% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.1% in tier |
| Deposits |
$1.2M
-4.3% YoY-9.5% QoQ
|
$-24.6M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.9% in tier |
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| ROA |
1.0%
-86.2% YoY+11.3% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
3.9%
+11.8% YoY+17.0% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
75.3%
-176.4% YoY+1.5% QoQ
|
-15.4% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
35% |
| Delinquency Rate |
3.2%
-15.8% YoY-32.9% QoQ
|
+1.7 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.2% in tier |
| Loan To Share |
36.4%
+20.7% YoY+5.9% QoQ
|
-22.1% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$4,401
-4.9% YoY-11.5% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
133
Loan Growth Rate
growth
Value:
15.57%
Peer Median: -2.36%
#133 of 2508
Top 5.3% in <100M tier
152
Member Growth Rate
growth
Value:
5.52%
Peer Median: -1.37%
#152 of 2508
Top 6.0% in <100M tier
382
Net Worth Ratio
risk
Value:
22.70%
Peer Median: 14.28%
#382 of 2508
Top 15.2% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (13 metrics)
2338
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,174
Peer Median: $4,923
#2338 of 2508
Bottom 6.8% in <100M tier
2330
Total Loans
balance_sheet
Value:
$448,553
Peer Median: $9.48M
#2330 of 2508
Bottom 7.1% in <100M tier
2327
Average Member Relationship (AMR)
engagement
Value:
$4,401
Peer Median: $13,926
#2327 of 2508
Bottom 7.3% in <100M tier
2314
Total Assets
balance_sheet
Value:
$1.58M
Peer Median: $21.86M
#2314 of 2508
Bottom 7.8% in <100M tier
2309
Total Deposits
balance_sheet
Value:
$1.23M
Peer Median: $18.77M
#2309 of 2508
Bottom 8.0% in <100M tier
2305
Members Per Employee (MPE)
engagement
Value:
127.333
Peer Median: 333.750
#2305 of 2508
Bottom 8.1% in <100M tier
2254
Total Delinquency Rate (60+ days)
risk
Value:
3.22%
Peer Median: 0.65%
#2254 of 2508
Bottom 10.2% in <100M tier
2253
Fee Income Per Member
profitability
Value:
$1.94
Peer Median: $60.42
#2253 of 2508
Bottom 10.2% in <100M tier
2248
Total Members
engagement
Value:
382
Peer Median: 1,918
#2248 of 2508
Bottom 10.4% in <100M tier
2094
Asset Growth Rate
growth
Value:
-4.37%
Peer Median: 1.30%
#2094 of 2508
Bottom 16.5% in <100M tier