BlastPoint's Credit Union Scorecard

UTICA GAS & ELECTRIC EMP

Charter #2252 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

UTICA GAS & ELECTRIC EMP has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.83% above tier average
+ Loan-to-Share Ratio: Top 0.2% in tier
+ Loan-to-Member Ratio (LMR): Top 0.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Delinquency rate 0.83% above tier average
- Total Members: Bottom 1.6% in tier
- Share Certificate Concentration (%): Bottom 5.1% in tier
- Total Delinquency Rate (60+ days): Bottom 9.3% in tier
- Total Deposits: Bottom 9.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	3,803 +4.9% YoY+1.1% QoQ	-11.3K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	Bottom 1.5% in tier
Assets	$133.5M +13.8% YoY+1.8% QoQ	$-98.2M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	22%
Loans	$114.2M +15.9% YoY+2.0% QoQ	$-29.9M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	45%
Deposits	$98.4M +8.7% YoY+1.1% QoQ	$-102.7M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	Bottom 9.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% +34.2% YoY+0.4% QoQ	+0.8%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Top 10.0% in tier
NIM	3.0% +11.0% YoY+7.8% QoQ	-0.7%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Bottom 14.5% in tier
Efficiency Ratio	50.5% -14.5% YoY+0.6% QoQ	-27.6%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Top 2.2% in tier
Delinquency Rate	1.6% +166.1% YoY+36.8% QoQ	+0.8	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Bottom 9.3% in tier
Loan To Share	116.0% +6.6% YoY+0.9% QoQ	+45.6%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	Top 0.3% in tier
AMR	$55,910 +7.2% YoY+0.5% QoQ	+$31K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	Top 1.9% in tier
CD Concentration	42.3% +12.2% YoY-0.0% QoQ	+18.0%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#26 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.85%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.55%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#17 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.55%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 4.85%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth

#86 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.85%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Relationship Depth Leader

growth

#70 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 7.23%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.4K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#257 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.23%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Liquidity Strain

risk

#2 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 116.03%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 15.87%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Credit Risk Growth

risk

#5 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 15.87%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 1.00% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#29 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.00% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (13 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 116.03%

Peer Median: 71.88%

#3 of 1070 Top 0.2% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $30,029

Peer Median: $9,356

#10 of 1070 Top 0.8% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $55,910

Peer Median: $22,931

#20 of 1070 Top 1.8% in 100M-500M tier

Efficiency Ratio

profitability

Value: 50.46%

Peer Median: 78.68%

#25 of 1070 Top 2.2% in 100M-500M tier

Asset Growth Rate

growth

Value: 13.84%

Peer Median: 3.91%

#42 of 1070 Top 3.8% in 100M-500M tier

Loan Growth Rate

growth

Value: 15.87%

Peer Median: 2.93%

#64 of 1070 Top 5.9% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.61%

Peer Median: 11.45%

#94 of 1070 Top 8.7% in 100M-500M tier

107

Return on Assets (ROA)

profitability

Value: 1.55%

Peer Median: 0.69%

#107 of 1070 Top 9.9% in 100M-500M tier

118

Member Growth Rate

growth

Value: 4.85%

Peer Median: -0.06%

#118 of 1070 Top 10.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1054

Total Members

engagement

Value: 3,803

Peer Median: 13,200

#1054 of 1070 Bottom 1.6% in 100M-500M tier

1016

Share Certificate Concentration (%)

balance_sheet

Value: 42.28%

Peer Median: 23.10%

#1016 of 1070 Bottom 5.1% in 100M-500M tier

971

Total Delinquency Rate (60+ days)

risk

Value: 1.61%

Peer Median: 0.61%

#971 of 1070 Bottom 9.3% in 100M-500M tier

965

Total Deposits

balance_sheet

Value: $98.42M

Peer Median: $171.29M

#965 of 1070 Bottom 9.9% in 100M-500M tier

915

Net Interest Margin (NIM)

profitability

Value: 2.96%

Peer Median: 3.62%

#915 of 1070 Bottom 14.6% in 100M-500M tier

906

First Mortgage Concentration (%)

balance_sheet

Value: 48.66%

Peer Median: 29.47%

#906 of 1070 Bottom 15.4% in 100M-500M tier

880

Fee Income Per Member

profitability

Value: $98.21

Peer Median: $154.95

#880 of 1070 Bottom 17.9% in 100M-500M tier

835

Total Assets

balance_sheet

Value: $133.53M

Peer Median: $196.57M

#835 of 1070 Bottom 22.1% in 100M-500M tier