BlastPoint's Credit Union Scorecard
ULSTER
Charter #21694 · NY
ULSTER has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 42.3% in tier
- + Wallet Share Momentum: Top 83.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 37.8% in tier
- - Stagnation Risk: Bottom 57.9% in tier
- - Membership Headwinds: Bottom 76.7% in tier
- - Efficiency Drag: Bottom 79.3% in tier
- - Institutional Decline: Bottom 86.2% in tier
- - ROA 0.09% below tier average
- - Efficiency ratio 5.39% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 1.2% in tier
- - Total Loans: Bottom 3.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,031
-1.4% YoY-0.4% QoQ
|
-8.4K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 10.9% in tier |
| Assets |
$172.4M
+8.8% YoY+3.4% QoQ
|
$-59.4M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$42.2M
-3.1% YoY-1.3% QoQ
|
$-105.1M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.0% in tier |
| Deposits |
$161.0M
+6.7% YoY+3.4% QoQ
|
$-39.9M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.7%
-44.1% YoY-19.5% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
3.1%
-12.3% YoY-2.8% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
82.4%
+16.2% YoY+1.1% QoQ
|
+5.4% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.7%
-13.1% YoY-1.4% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
26.2%
-9.1% YoY-4.5% QoQ
|
-46.0% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.1% in tier |
| AMR |
$28,895
+6.0% YoY+2.7% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
17.3%
+81.4% YoY+16.4% QoQ
|
-7.1% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)