BlastPoint's Credit Union Scorecard
POLISH & SLAVIC
Charter #22592 · NY
POLISH & SLAVIC has 7 strengths but faces 4 concerns
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.1% in tier
- + Organic Growth Leader: Top 18.6% in tier
- + ROA 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 2.3% in tier
- + Net Charge-Off Rate: Top 3.0% in tier
- + Total Assets: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.2% in tier
- - Credit Risk Growth: Bottom 17.8% in tier
- - Shrinking Wallet Share: Bottom 27.1% in tier
- - First Mortgage Concentration (%): Bottom 5.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
125,645
+3.1% YoY+0.8% QoQ
|
+27.0K |
98,678
-1.9% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$2.7B
+3.6% YoY+1.0% QoQ
|
+$971.7M |
$1.7B
+0.5% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Top 6.9% in tier |
| Loans |
$1.6B
+2.8% YoY+0.3% QoQ
|
+$351.8M |
$1.2B
+0.5% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$2.5B
+2.3% YoY+0.6% QoQ
|
+$1.0B |
$1.5B
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Top 2.6% in tier |
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| ROA |
0.9%
+34.4% YoY+44.2% QoQ
|
+0.2% |
0.7%
+13.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
73% |
| NIM |
3.0%
+2.5% YoY+0.4% QoQ
|
-0.3% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
73.4%
-5.3% YoY-7.6% QoQ
|
-0.6% |
74.0%
-10.9% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.5%
+61.9% YoY+10.3% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
64.4%
+0.5% YoY-0.2% QoQ
|
-20.8% |
85.2%
-0.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.8% in tier |
| AMR |
$32,209
-0.6% YoY-0.3% QoQ
|
+$3K |
$29,172
+2.8% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
19.0%
+1.1% YoY-2.5% QoQ
|
-10.0% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
Bottom 11.6% in tier |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)