BlastPoint's Credit Union Scorecard
DELANCEY STREET
Charter #21393 · CA
DELANCEY STREET has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 10.0% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 0.2% in tier
- + Deposit Growth Rate: Top 0.6% in tier
- + Asset Growth Rate: Top 0.8% in tier
- + AMR Growth Rate: Top 3.2% in tier
- + Member Growth Rate: Top 3.9% in tier
- + Net Worth Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.06% below tier average
- - Efficiency ratio 70.82% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 0.4% in tier
- - Net Interest Margin (NIM): Bottom 0.5% in tier
- - Total Loans: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- - Total Members: Bottom 0.8% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits +31.1% year over year ($387K in shares and deposits).
- Membership: 88 members, +10.0% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.44%.
- Efficiency ratio 159.58% vs a 88.77% peer average.
- Loan-to-share ratio 0.37% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
88
+10.0% YoY-6.4% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 0.7% in tier |
| Assets |
$528,019
+22.3% YoY+6.0% QoQ
|
$-29.8M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.1% in tier |
| Loans |
$1,433
+308.3% YoY-64.3% QoQ
|
$-15.5M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.5% in tier |
| Deposits |
$386,800
+31.1% YoY+9.7% QoQ
|
$-25.4M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.1% in tier |
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| ROA |
0.4%
-82.4% YoY-81.6% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
0.7%
-81.2% YoY-79.1% QoQ
|
-3.2% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.4% in tier |
| Efficiency Ratio |
159.6%
+340.1% YoY+391.4% QoQ
|
+70.8% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
0.4%
+211.3% YoY-67.4% QoQ
|
-58.5% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.3% in tier |
| AMR |
$4,412
+19.5% YoY+16.3% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.4% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)