BlastPoint's Credit Union Scorecard
TRI-COUNTY
Charter #21875 · NY
TRI-COUNTY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.40% above tier average
- + Net Charge-Off Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Members Per Employee (MPE): Bottom 9.3% 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 176 that size in New York.
- Shares and deposits -1.8% year over year ($3.9M in shares and deposits).
- Membership: 704 members, -1.7% vs a year ago.
- Delinquency rate 1.54%.
- Return on assets 0.95%.
- Efficiency ratio 78.87% vs a 88.77% peer average.
- Loan-to-share ratio 78.85% 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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
704
-1.7% YoY-1.1% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$5.0M
-0.6% YoY+0.7% QoQ
|
$-25.3M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$3.1M
-7.7% YoY-2.4% QoQ
|
$-12.4M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$3.9M
-1.8% YoY+0.6% QoQ
|
$-21.9M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.9%
-28.7% YoY-33.1% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
58% |
| NIM |
4.3%
+2.6% YoY-9.1% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
78.9%
+13.6% YoY+13.3% QoQ
|
-9.9% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
1.5%
+8.5% YoY+69.7% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
78.9%
-6.0% YoY-3.0% QoQ
|
+20.0% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$9,975
-2.9% YoY+0.4% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
5.6%
+2.2% YoY-0.2% QoQ
|
-19.0% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)