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
- + ROA 0.38% above tier average
- + Net Interest Margin 0.66% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.12% above tier average
- - Members Per Employee (MPE): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
714
-1.1% YoY+1.1% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$4.8M
+0.2% YoY-0.4% QoQ
|
$-25.3M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$3.2M
-5.6% YoY-2.6% QoQ
|
$-12.5M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$3.8M
-1.0% YoY-0.4% QoQ
|
$-21.9M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
1.0%
-14.6% YoY-18.6% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
4.6%
+9.0% YoY+4.5% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
71.8%
+3.6% YoY+0.4% QoQ
|
-10.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
1.7%
+40.7% YoY-35.5% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
85.4%
-4.7% YoY-2.2% QoQ
|
+24.8% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 14.8% in tier |
| AMR |
$9,788
-2.1% YoY-2.5% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
5.8%
+1.7% YoY+0.5% QoQ
|
-18.6% | 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)