BlastPoint's Credit Union Scorecard
SCF WESTCHESTER N. Y. EMPLOYEES
Charter #21231 · NY
2556 CUs in <100M nationally
183 in NY
SCF WESTCHESTER N. Y. EMPLOYEES has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 8.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.24% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.0% in tier
- - Total Loans: Bottom 7.3% in tier
- - Members Per Employee (MPE): Bottom 7.6% in tier
- - Total Assets: Bottom 8.3% in tier
- - Total Deposits: Bottom 8.5% in tier
- - Average Member Relationship (AMR): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
368
+0.5% YoY-1.1% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 9.9% in tier |
| Assets |
$1.7M
+6.9% YoY-4.7% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.2% in tier |
| Loans |
$468,066
+4.5% YoY-0.1% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.2% in tier |
| Deposits |
$1.4M
+10.9% YoY-4.8% QoQ
|
$-24.3M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.5% in tier |
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| ROA |
0.9%
-1338.9% YoY-63.4% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
3.3%
-7.5% YoY+0.2% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
74.2%
-26.6% YoY+153.3% QoQ
|
-8.4% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
4.8%
+26.1% YoY-7.8% QoQ
|
+3.2 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 6.5% in tier |
| Loan To Share |
34.4%
-5.8% YoY+4.9% QoQ
|
-26.3% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.8% in tier |
| AMR |
$4,974
+8.6% YoY-2.6% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Deposit Growth Rate
growth
Value:
10.93%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
317
AMR Growth Rate
growth
Value:
8.61%
Peer Median: -
#317 of 2556
Top 12.4% in <100M tier
442
Asset Growth Rate
growth
Value:
6.92%
Peer Median: -
#442 of 2556
Top 17.3% in <100M tier
516
Net Worth Ratio
risk
Value:
20.76%
Peer Median: -
#516 of 2556
Top 20.1% in <100M tier
597
Loan Growth Rate
growth
Value:
4.49%
Peer Median: -
#597 of 2556
Top 23.3% in <100M tier
Top Weaknesses (10 metrics)
2390
Total Delinquency Rate (60+ days)
risk
Value:
4.80%
Peer Median: -
#2390 of 2556
Bottom 6.5% in <100M tier
2377
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,272
Peer Median: -
#2377 of 2556
Bottom 7.0% in <100M tier
2371
Total Loans
balance_sheet
Value:
$468,066
Peer Median: -
#2371 of 2556
Bottom 7.3% in <100M tier
2362
Members Per Employee (MPE)
engagement
Value:
122.667
Peer Median: -
#2362 of 2556
Bottom 7.6% in <100M tier
2346
Total Assets
balance_sheet
Value:
$1.71M
Peer Median: -
#2346 of 2556
Bottom 8.3% in <100M tier
2339
Total Deposits
balance_sheet
Value:
$1.36M
Peer Median: -
#2339 of 2556
Bottom 8.5% in <100M tier
2324
Average Member Relationship (AMR)
engagement
Value:
$4,974
Peer Median: -
#2324 of 2556
Bottom 9.1% in <100M tier
2300
Total Members
engagement
Value:
368
Peer Median: -
#2300 of 2556
Bottom 10.1% in <100M tier
2288
Fee Income Per Member
profitability
Value:
$2.92
Peer Median: -
#2288 of 2556
Bottom 10.5% in <100M tier
2200
Loan-to-Share Ratio
balance_sheet
Value:
34.36%
Peer Median: -
#2200 of 2556
Bottom 14.0% in <100M tier