BlastPoint's Credit Union Scorecard
DELANCEY STREET
Charter #21393 · CA
<100M
2508 CUs in <100M nationally
92 in CA
DELANCEY STREET has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.21% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 0.4% in tier
- + Deposit Growth Rate: Top 1.1% in tier
- + Efficiency Ratio: Top 1.1% in tier
- + Asset Growth Rate: Top 1.6% in tier
- + AMR Growth Rate: Top 2.6% in tier
- + Net Worth Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 0.6% in tier
- - Total Loans: Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.8% in tier
- - Total Members: Bottom 1.1% in tier
- - Total Deposits: Bottom 2.9% in tier
- - Total Assets: Bottom 3.1% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Average Member Relationship (AMR): Bottom 5.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
94
+2.2% YoY-1.1% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 1.0% in tier |
| Assets |
$497,969
+19.2% YoY-0.5% QoQ
|
$-29.7M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.1% in tier |
| Loans |
$4,014
+83.7% YoY-53.7% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.6% in tier |
| Deposits |
$352,697
+24.4% YoY-1.5% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.8% in tier |
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| ROA |
2.4%
-2.0% YoY+5.8% QoQ
|
+2.2% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Top 3.6% in tier |
| NIM |
3.5%
-9.9% YoY+1.6% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
36% |
| Efficiency Ratio |
32.5%
-14.3% YoY-7.6% QoQ
|
-58.2% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Top 1.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
1.1%
+47.7% YoY-52.9% QoQ
|
-57.4% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.4% in tier |
| AMR |
$3,795
+22.2% YoY-1.7% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.7% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 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 (13 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
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
10
Loan Growth Rate
growth
Value:
83.71%
Peer Median: -2.36%
#10 of 2508
Top 0.4% in <100M tier
28
Deposit Growth Rate
growth
Value:
24.40%
Peer Median: 0.66%
#28 of 2508
Top 1.1% in <100M tier
29
Efficiency Ratio
profitability
Value:
32.47%
Peer Median: 81.45%
#29 of 2508
Top 1.1% in <100M tier
42
Asset Growth Rate
growth
Value:
19.24%
Peer Median: 1.30%
#42 of 2508
Top 1.6% in <100M tier
66
AMR Growth Rate
growth
Value:
22.20%
Peer Median: 1.27%
#66 of 2508
Top 2.6% in <100M tier
91
Return on Assets (ROA)
profitability
Value:
2.36%
Peer Median: 0.61%
#91 of 2508
Top 3.6% in <100M tier
Top Weaknesses (9 metrics)
2495
Loan-to-Share Ratio
balance_sheet
Value:
1.14%
Peer Median: 58.72%
#2495 of 2508
Bottom 0.6% in <100M tier
2493
Total Loans
balance_sheet
Value:
$4,014
Peer Median: $9.48M
#2493 of 2508
Bottom 0.6% in <100M tier
2488
Loan-to-Member Ratio (LMR)
engagement
Value:
$42.70
Peer Median: $4,923
#2488 of 2508
Bottom 0.8% in <100M tier
2482
Total Members
engagement
Value:
94
Peer Median: 1,918
#2482 of 2508
Bottom 1.1% in <100M tier
2437
Total Deposits
balance_sheet
Value:
$352,697
Peer Median: $18.77M
#2437 of 2508
Bottom 2.9% in <100M tier
2431
Total Assets
balance_sheet
Value:
$497,969
Peer Median: $21.86M
#2431 of 2508
Bottom 3.1% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2364
Average Member Relationship (AMR)
engagement
Value:
$3,795
Peer Median: $13,926
#2364 of 2508
Bottom 5.8% in <100M tier
2362
Members Per Employee (MPE)
engagement
Value:
94.000
Peer Median: 333.750
#2362 of 2508
Bottom 5.9% in <100M tier