BlastPoint's Credit Union Scorecard
CVPH EMPLOYEES
Charter #22195 · NY
CVPH EMPLOYEES has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Efficiency ratio 0.23% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,302
-1.7% YoY-0.2% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$10.1M
+0.2% YoY-2.1% QoQ
|
$-20.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$7.0M
+3.5% YoY+0.1% QoQ
|
$-8.8M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$9.0M
-0.4% YoY-2.2% QoQ
|
$-16.7M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.5%
-6.1% YoY-15.9% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.7%
+2.4% YoY+3.0% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
82.8%
-2.8% YoY+4.5% QoQ
|
+0.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
77.4%
+3.9% YoY+2.4% QoQ
|
+16.8% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$12,311
+3.1% YoY-1.1% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration | 0.0% | -24.4% | 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)