BlastPoint's Credit Union Scorecard
DELANCEY STREET
Charter #21393 · CA
2556 CUs in <100M nationally
91 in CA
DELANCEY STREET has 12 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.61% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.5% in tier
- + Efficiency Ratio: Top 1.0% in tier
- + Deposit Growth Rate: Top 2.9% in tier
- + AMR Growth Rate: Top 3.7% in tier
- + Asset Growth Rate: Top 3.9% in tier
- + Net Worth Ratio: Top 7.3% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 0.6% in tier
- - Total Loans: Bottom 1.0% in tier
- - Total Members: Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
- - Total Assets: Bottom 3.1% in tier
- - Total Deposits: Bottom 3.1% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 5.8% in tier
- - Average Member Relationship (AMR): Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
95
0% YoY+14.5% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 0.9% in tier |
| Assets |
$500,531
+13.9% YoY+6.9% QoQ
|
$-29.6M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.0% in tier |
| Loans |
$8,663
+64.8% YoY+2150.1% QoQ
|
$-15.8M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.9% in tier |
| Deposits |
$358,196
+16.4% YoY+9.0% QoQ
|
$-25.3M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.1% in tier |
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| ROA |
2.2%
+1.1% YoY-6.5% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Top 4.6% in tier |
| NIM |
3.4%
-2.9% YoY-6.6% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
35.2%
-6.7% YoY-0.2% QoQ
|
-47.4% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
2.4%
+41.6% YoY+1963.6% QoQ
|
-58.2% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.5% in tier |
| AMR |
$3,862
+17.2% YoY-2.5% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 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 (12 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
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
15
Loan Growth Rate
growth
Value:
64.82%
Peer Median: -
#15 of 2556
Top 0.5% in <100M tier
27
Efficiency Ratio
profitability
Value:
35.15%
Peer Median: -
#27 of 2556
Top 1.0% in <100M tier
75
Deposit Growth Rate
growth
Value:
16.39%
Peer Median: -
#75 of 2556
Top 2.9% in <100M tier
96
AMR Growth Rate
growth
Value:
17.20%
Peer Median: -
#96 of 2556
Top 3.7% in <100M tier
100
Asset Growth Rate
growth
Value:
13.94%
Peer Median: -
#100 of 2556
Top 3.9% in <100M tier
118
Return on Assets (ROA)
profitability
Value:
2.23%
Peer Median: -
#118 of 2556
Top 4.6% in <100M tier
Top Weaknesses (9 metrics)
2541
Loan-to-Share Ratio
balance_sheet
Value:
2.42%
Peer Median: -
#2541 of 2556
Bottom 0.6% in <100M tier
2532
Total Loans
balance_sheet
Value:
$8,663
Peer Median: -
#2532 of 2556
Bottom 1.0% in <100M tier
2530
Total Members
engagement
Value:
95
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2526
Loan-to-Member Ratio (LMR)
engagement
Value:
$91.19
Peer Median: -
#2526 of 2556
Bottom 1.2% in <100M tier
2479
Total Assets
balance_sheet
Value:
$500,531
Peer Median: -
#2479 of 2556
Bottom 3.1% in <100M tier
2478
Total Deposits
balance_sheet
Value:
$358,196
Peer Median: -
#2478 of 2556
Bottom 3.1% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2410
Members Per Employee (MPE)
engagement
Value:
95.000
Peer Median: -
#2410 of 2556
Bottom 5.8% in <100M tier
2408
Average Member Relationship (AMR)
engagement
Value:
$3,862
Peer Median: -
#2408 of 2556
Bottom 5.8% in <100M tier