BlastPoint's Credit Union Scorecard
U. H. S. EMPLOYEES
Charter #21586 · NY
U. H. S. EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 3.29% above tier (higher cost structure)
- - Member decline: -4.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,075
-4.4% YoY-0.9% QoQ
|
+459 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$24.5M
+1.5% YoY+1.9% QoQ
|
$-5.7M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$12.8M
-12.9% YoY-4.7% QoQ
|
$-3.0M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$21.8M
+1.4% YoY+1.8% QoQ
|
$-3.9M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
0.2%
-63.3% YoY
|
-0.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
4.3%
+0.7% YoY-0.8% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
85.9%
+10.4% YoY+5.6% QoQ
|
+3.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.2%
-85.9% YoY-72.5% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
58.6%
-14.1% YoY-6.4% QoQ
|
-2.0% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$11,236
+0.0% YoY+0.2% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
14.1%
-20.8% YoY-3.6% QoQ
|
-10.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)