BlastPoint's Credit Union Scorecard
SCF WESTCHESTER N. Y. EMPLOYEES
Charter #21231 · NY
2596 CUs in <100M nationally
188 in NY
SCF WESTCHESTER N. Y. EMPLOYEES has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.69% 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
- + Efficiency Ratio: Top 1.0% in tier
- + Deposit Growth Rate: Top 6.1% in tier
- + Loan Growth Rate: Top 7.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.70% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
- - Total Loans: Bottom 7.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.4% in tier
- - Members Per Employee (MPE): Bottom 7.7% in tier
- - Total Assets: Bottom 9.0% in tier
- - Total Deposits: Bottom 9.1% in tier
- - Average Member Relationship (AMR): Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
372
+2.5% YoY+1.9% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 10.3% in tier |
| Assets |
$1.8M
+8.1% YoY-2.3% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.9% in tier |
| Loans |
$468,381
+13.3% YoY+35.5% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.1% in tier |
| Deposits |
$1.4M
+11.8% YoY-2.6% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.1% in tier |
| ROA |
2.4%
+176.6% YoY-35.1% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 4.7% in tier |
| NIM |
3.3%
-12.5% YoY-1.6% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
29.3%
-61.9% YoY-508.3% QoQ
|
-52.1% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
5.2%
+72.4% YoY-34.9% QoQ
|
+3.7 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 5.7% in tier |
| Loan To Share |
32.7%
+1.3% YoY+39.1% QoQ
|
-28.5% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.2% in tier |
| AMR |
$5,105
+9.4% YoY+2.7% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.6% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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 (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
27
Efficiency Ratio
profitability
Value:
29.27%
Peer Avg: 81.39%
#27 of 2596
Top 1.0% in <100M tier
123
Return on Assets (ROA)
profitability
Value:
2.37%
Peer Avg: 0.68%
#123 of 2596
Top 4.7% in <100M tier
160
Deposit Growth Rate
growth
Value:
11.78%
Peer Avg: 16.80%
#160 of 2596
Top 6.1% in <100M tier
188
Loan Growth Rate
growth
Value:
13.28%
Peer Avg: 59.01%
#188 of 2596
Top 7.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
275
AMR Growth Rate
growth
Value:
9.43%
Peer Avg: 4.67%
#275 of 2596
Top 10.6% in <100M tier
334
Asset Growth Rate
growth
Value:
8.09%
Peer Avg: 1.82%
#334 of 2596
Top 12.8% in <100M tier
Top Weaknesses (10 metrics)
2450
Total Delinquency Rate (60+ days)
risk
Value:
5.21%
Peer Avg: 1.51%
#2450 of 2596
Bottom 5.7% in <100M tier
2411
Total Loans
balance_sheet
Value:
$468,381
Peer Avg: $15.77M
#2411 of 2596
Bottom 7.2% in <100M tier
2406
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,259
Peer Avg: $5,488
#2406 of 2596
Bottom 7.4% in <100M tier
2396
Members Per Employee (MPE)
engagement
Value:
124.000
Peer Avg: 365.701
#2396 of 2596
Bottom 7.7% in <100M tier
2364
Total Assets
balance_sheet
Value:
$1.79M
Peer Avg: $29.86M
#2364 of 2596
Bottom 9.0% in <100M tier
2360
Total Deposits
balance_sheet
Value:
$1.43M
Peer Avg: $25.45M
#2360 of 2596
Bottom 9.1% in <100M tier
2348
Average Member Relationship (AMR)
engagement
Value:
$5,105
Peer Avg: $14,627
#2348 of 2596
Bottom 9.6% in <100M tier
2326
Total Members
engagement
Value:
372
Peer Avg: 2,626
#2326 of 2596
Bottom 10.4% in <100M tier
2292
Fee Income Per Member
profitability
Value:
$3.14
Peer Avg: $182.96
#2292 of 2596
Bottom 11.7% in <100M tier
2275
Loan-to-Share Ratio
balance_sheet
Value:
32.74%
Peer Avg: 61.23%
#2275 of 2596
Bottom 12.4% in <100M tier