BlastPoint's Credit Union Scorecard

UTICA GAS & ELECTRIC EMP

Charter #2252 · NY

1069 CUs in 100M-500M nationally 54 in NY

UTICA GAS & ELECTRIC EMP has 14 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 2.9% in tier
+ Emerging Performer: Top 12.2% in tier
+ Organic Growth Leader: Top 20.5% in tier
+ Relationship Depth Leader: Top 29.6% in tier
+ Wallet Share Momentum: Top 62.1% in tier
+ ROA 0.79% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 0.2% in tier
+ Loan-to-Member Ratio (LMR): Top 0.9% in tier
+ Efficiency Ratio: Top 1.8% in tier
+ Average Member Relationship (AMR): Top 1.8% in tier
+ Asset Growth Rate: Top 7.4% in tier
+ Loan Growth Rate: Top 7.8% in tier
+ Net Worth Ratio: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.4% in tier
- Credit Risk Growth: Bottom 3.5% in tier
- Credit Quality Pressure: Bottom 14.1% in tier
- Liquidity Overhang: Bottom 98.5% in tier
- Delinquency rate 0.28% above tier average
- Total Members: Bottom 1.5% in tier
- Share Certificate Concentration (%): Bottom 5.1% in tier
- Total Deposits: Bottom 8.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	3,762 +4.9% YoY+0.9% QoQ	-11.7K	15,437 -2.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	Bottom 1.4% in tier
Assets	$131.2M +12.3% YoY+3.6% QoQ	$-100.7M	$231.9M +1.3% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	21%
Loans	$111.9M +14.8% YoY+3.9% QoQ	$-35.4M	$147.3M -0.1% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	43%
Deposits	$97.4M +9.4% YoY+3.4% QoQ	$-103.4M	$200.8M +0.8% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	Bottom 8.8% 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	1.5% +24.5% YoY+1.2% QoQ	+0.8%	0.8% +18.2% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	Top 10.0% in tier
NIM	2.7% +7.3% YoY+0.4% QoQ	-0.9%	3.6% +6.7% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	Bottom 10.0% in tier
Efficiency Ratio	50.1% -11.6% YoY-3.0% QoQ	-26.9%	77.0% -3.1% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	Bottom 1.8% in tier
Delinquency Rate	1.2% +98.9% YoY+9.9% QoQ	+0.3	0.9% +4.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	78%
Loan To Share	115.0% +4.9% YoY+0.4% QoQ	+42.7%	72.2% -1.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	Top 0.3% in tier
AMR	$55,632 +6.9% YoY+2.8% QoQ	+$31K	$24,676 +3.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	Top 1.9% in tier
CD Concentration	42.3% +10.0% YoY+5.0% QoQ	+17.9%	24.4%	16.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#18 of 595 • Top 2.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.94%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.55%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#23 of 182 • Top 12.2% 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: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 4.94%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth

#88 of 426 • Top 20.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.94%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Relationship Depth Leader

growth

#80 of 268 • Top 29.6% 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): 6.95%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.6K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#319 of 513 • Top 62.1% in tier

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

Why This Signature

AMR Growth (YoY): 6.95%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (4)

Liquidity Strain

risk

#2 of 228 • Bottom 0.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 114.97%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 14.80%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#17 of 456 • Bottom 3.5% in tier

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

Why This Signature

Loan Growth (YoY): 14.80%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.58% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#100 of 705 • Bottom 14.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.58% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Liquidity Overhang

risk

#133 of 135 • Bottom 98.5% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.51%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 114.97%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (14 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 114.97%

Peer Median: -

#3 of 1069 Top 0.2% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $29,753

Peer Median: -

#11 of 1069 Top 0.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 50.14%

Peer Median: -

#20 of 1069 Top 1.8% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $55,632

Peer Median: -

#20 of 1069 Top 1.8% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.26%

Peer Median: -

#80 of 1069 Top 7.4% in 100M-500M tier

Loan Growth Rate

growth

Value: 14.80%

Peer Median: -

#84 of 1069 Top 7.8% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.51%

Peer Median: -

#99 of 1069 Top 9.2% in 100M-500M tier

107

Return on Assets (ROA)

profitability

Value: 1.55%

Peer Median: -

#107 of 1069 Top 9.9% in 100M-500M tier

109

Member Growth Rate

growth

Value: 4.94%

Peer Median: -

#109 of 1069 Top 10.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1054

Total Members

engagement

Value: 3,762

Peer Median: -

#1054 of 1069 Bottom 1.5% in 100M-500M tier

1015

Share Certificate Concentration (%)

balance_sheet

Value: 42.30%

Peer Median: -

#1015 of 1069 Bottom 5.1% in 100M-500M tier

975

Total Deposits

balance_sheet

Value: $97.36M

Peer Median: -

#975 of 1069 Bottom 8.9% in 100M-500M tier

962

Net Interest Margin (NIM)

profitability

Value: 2.75%

Peer Median: -

#962 of 1069 Bottom 10.1% in 100M-500M tier

901

First Mortgage Concentration (%)

balance_sheet

Value: 48.08%

Peer Median: -

#901 of 1069 Bottom 15.8% in 100M-500M tier

843

Total Assets

balance_sheet

Value: $131.19M

Peer Median: -

#843 of 1069 Bottom 21.2% in 100M-500M tier

829

Total Delinquency Rate (60+ days)

risk

Value: 1.17%

Peer Median: -

#829 of 1069 Bottom 22.5% in 100M-500M tier