BlastPoint's Credit Union Scorecard
THE HEART CENTER
Charter #22456 · NY
THE HEART CENTER has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 2.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.64% below tier average
- - Delinquency rate 0.51% above tier average
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 -0.9% year over year ($17.2M in shares and deposits).
- Membership: 2,592 members, +1.8% vs a year ago.
- Delinquency rate 2.06%.
- Return on assets 0.85%.
- Efficiency ratio 76.92% vs a 88.77% peer average.
- Loan-to-share ratio 61.89% 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 |
2,592
+1.8% YoY+0.5% QoQ
|
+6 |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$20.4M
+0.1% YoY-2.4% QoQ
|
$-9.8M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$10.6M
-2.1% YoY+1.5% QoQ
|
$-4.8M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
53% |
| Deposits |
$17.2M
-0.9% YoY-3.1% QoQ
|
$-8.6M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
48% |
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| ROA |
0.9%
+18.6% YoY-2.6% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
3.6%
+7.0% YoY+0.5% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
76.9%
-2.1% YoY+0.7% QoQ
|
-11.8% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
2.1%
+149.0% YoY+8.2% QoQ
|
+0.5 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
61.9%
-1.2% YoY+4.7% QoQ
|
+3.0% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$10,736
-3.2% YoY-1.9% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
23.2%
+7.3% YoY+5.1% QoQ
|
-1.4% | 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)