BlastPoint's Credit Union Scorecard

UTICA GAS & ELECTRIC EMP

Charter #2252 · NY

1077 CUs in 100M-500M nationally 52 in NY

UTICA GAS & ELECTRIC EMP has 16 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 1.2% in tier
+ Organic Growth Leader: Top 6.8% in tier
+ Emerging Performer: Top 11.6% in tier
+ Profitability Leader: Top 42.8% in tier
+ Relationship Depth Leader: Top 49.2% in tier
+ Wallet Share Momentum: Top 94.6% in tier
+ ROA 0.74% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 0.1% in tier
+ Loan-to-Member Ratio (LMR): Top 0.9% in tier
+ Average Member Relationship (AMR): Top 1.8% in tier
+ Efficiency Ratio: Top 2.8% in tier
+ Net Charge-Off Rate: Top 7.8% in tier
+ Net Worth Ratio: Top 8.4% in tier
+ Loan Growth Rate: Top 8.5% in tier
+ Asset Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.1% in tier
- Credit Risk Growth: Bottom 3.6% in tier
- Credit Quality Pressure: Bottom 11.8% in tier
- Liquidity Overhang: Bottom 97.0% in tier
- Delinquency rate 0.21% above tier average
- Total Members: Bottom 1.4% in tier
- Total Deposits: Bottom 5.9% in tier
- Share Certificate Concentration (%): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	3,730 +4.8% YoY+1.4% QoQ	-11.9K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	Bottom 1.3% in tier
Assets	$126.7M +10.4% YoY+2.9% QoQ	$-104.6M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	18%
Loans	$107.8M +13.3% YoY+3.1% QoQ	$-40.0M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	40%
Deposits	$94.2M +7.1% YoY+1.7% QoQ	$-106.1M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	Bottom 5.8% 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% +31.1% YoY+15.5% QoQ	+0.7%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	Top 11.6% in tier
NIM	2.7% +6.8% YoY+0.1% QoQ	-0.8%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	Bottom 10.5% in tier
Efficiency Ratio	51.7% -14.2% YoY-5.6% QoQ	-25.6%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	Bottom 2.8% in tier
Delinquency Rate	1.1% +31.9% YoY+98.1% QoQ	+0.2	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	73%
Loan To Share	114.5% +5.8% YoY+1.4% QoQ	+41.8%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	Top 0.2% in tier
AMR	$54,136 +5.3% YoY+1.1% QoQ	+$30K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	Top 1.9% in tier
CD Concentration	40.3% +6.4% YoY+4.5% QoQ	+15.9%	24.4% +4.2% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (6)

Organic Growth Engine

growth

#22 of 603 • Top 1.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.78%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.53%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#90 of 430 • Top 6.8% in tier

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

Why This Signature

Member Growth (YoY): 4.78%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Emerging Performer

growth

#23 of 191 • Top 11.6% 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: 1.53%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 4.78%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank improving

Profitability Leader

growth

#146 of 340 • Top 42.8% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.53%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.36% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Relationship Depth Leader

growth

#127 of 257 • Top 49.2% 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): 5.26%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.4K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#455 of 481 • Top 94.6% in tier

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

Why This Signature

AMR Growth (YoY): 5.26%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (4)

Liquidity Strain

risk

#2 of 258 • Bottom 0.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 114.46%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 13.27%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

risk

#55 of 446 • Bottom 3.6% in tier

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

Why This Signature

Loan Growth (YoY): 13.27%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#294 of 736 • Bottom 11.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Overhang

risk

#130 of 134 • Bottom 97.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.66%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 114.46%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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 1077 peers in tier

Top Strengths (13 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 114.46%

Peer Avg: -

#2 of 1077 Top 0.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $28,893

Peer Avg: -

#11 of 1077 Top 0.9% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $54,136

Peer Avg: -

#20 of 1077 Top 1.8% in 100M-500M tier

Efficiency Ratio

profitability

Value: 51.69%

Peer Avg: -

#31 of 1077 Top 2.8% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Avg: -

#85 of 1077 Top 7.8% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.66%

Peer Avg: -

#91 of 1077 Top 8.4% in 100M-500M tier

Loan Growth Rate

growth

Value: 13.27%

Peer Avg: -

#93 of 1077 Top 8.5% in 100M-500M tier

108

Asset Growth Rate

growth

Value: 10.44%

Peer Avg: -

#108 of 1077 Top 9.9% in 100M-500M tier

111

Member Growth Rate

growth

Value: 4.78%

Peer Avg: -

#111 of 1077 Top 10.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1063

Total Members

engagement

Value: 3,730

Peer Avg: -

#1063 of 1077 Bottom 1.4% in 100M-500M tier

1014

Total Deposits

balance_sheet

Value: $94.16M

Peer Avg: -

#1014 of 1077 Bottom 5.9% in 100M-500M tier

996

Share Certificate Concentration (%)

balance_sheet

Value: 40.29%

Peer Avg: -

#996 of 1077 Bottom 7.6% in 100M-500M tier

964

Net Interest Margin (NIM)

profitability

Value: 2.74%

Peer Avg: -

#964 of 1077 Bottom 10.6% in 100M-500M tier

895

First Mortgage Concentration (%)

balance_sheet

Value: 47.25%

Peer Avg: -

#895 of 1077 Bottom 17.0% in 100M-500M tier

880

Total Assets

balance_sheet

Value: $126.65M

Peer Avg: -

#880 of 1077 Bottom 18.4% in 100M-500M tier