BlastPoint's Credit Union Scorecard
EASTERN OPERATING ENGINEERS
Charter #21630 · NY
EASTERN OPERATING ENGINEERS has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 0.2% in tier
- + Loan-to-Member Ratio (LMR): Top 0.2% in tier
- + Total Loans: Top 1.3% in tier
- + Total Deposits: Top 3.0% in tier
- + Total Assets: Top 3.1% in tier
- + Fee Income Per Member: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Efficiency ratio 1.82% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 1.3% in tier
- - Net Worth Ratio: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,283
+1.2% YoY-0.3% QoQ
|
-332 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$92.3M
+0.7% YoY+8.4% QoQ
|
+$62.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 3.1% in tier |
| Loans |
$63.8M
-4.2% YoY-0.1% QoQ
|
+$48.0M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 1.3% in tier |
| Deposits |
$79.2M
-0.2% YoY+9.6% QoQ
|
+$53.6M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 3.0% in tier |
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| ROA |
0.5%
+38.8% YoY-11.6% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.9%
+17.5% YoY-0.5% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
84.4%
-4.6% YoY+0.5% QoQ
|
+1.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.4%
+94.1% YoY-20.2% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
80.5%
-4.0% YoY-8.9% QoQ
|
+19.9% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$62,643
-3.2% YoY+5.4% QoQ
|
+$48K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 0.2% in tier |
| CD Concentration |
4.2%
+6.0% YoY-20.3% QoQ
|
-20.2% | 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)