BlastPoint's Credit Union Scorecard
POLISH & SLAVIC
Charter #22592 · NY
POLISH & SLAVIC has 7 strengths but faces 2 concerns
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 29.7% in tier
- + Organic Growth Leader: Top 60.3% in tier
- + ROA 0.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 1.7% in tier
- + Net Charge-Off Rate: Top 3.6% in tier
- + Total Assets: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.14% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
126,138
+2.8% YoY+0.4% QoQ
|
+28.7K |
97,431
-2.4% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$2.7B
+4.5% YoY+0.8% QoQ
|
+$989.2M |
$1.7B
+0.9% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 6.3% in tier |
| Loans |
$1.6B
+2.6% YoY+1.5% QoQ
|
+$373.5M |
$1.2B
+0.5% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$2.5B
+2.4% YoY+0.6% QoQ
|
+$1.0B |
$1.5B
+0.9% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 2.0% in tier |
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| ROA |
0.9%
+26.5% YoY-4.6% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
3.0%
+2.8% YoY+0.4% QoQ
|
-0.3% |
3.3%
+9.2% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
74.2%
-3.6% YoY+1.1% QoQ
|
+0.1% |
74.1%
-9.5% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.5%
-0.1% YoY-0.4% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
64.9%
+0.3% YoY+0.9% QoQ
|
-19.9% |
84.8%
-0.8% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.3% in tier |
| AMR |
$32,378
-0.3% YoY+0.5% QoQ
|
+$3K |
$29,428
+2.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
19.0%
-2.0% YoY+0.1% QoQ
|
-10.0% | 29.0% | 16.3% | 19.8% | Bottom 11.7% in tier |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 2.6% | 7.8% | 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 (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)