BlastPoint's Credit Union Scorecard
POLISH & SLAVIC
Charter #22592 · NY
POLISH & SLAVIC has 6 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 41.1% in tier
- + Organic Growth Leader: Top 41.1% in tier
- + ROA 0.05% above tier average
- + Total Deposits: Top 1.3% in tier
- + Net Charge-Off Rate: Top 3.9% in tier
- + Total Assets: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 61.3% in tier
- - Efficiency ratio 2.78% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 6.5% in tier
- - Fee Income Per Member: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
127,100
+2.9% YoY+0.8% QoQ
|
+31.1K |
96,048
-2.7% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
79% |
| Assets |
$2.7B
+3.3% YoY+0.8% QoQ
|
+$1.0B |
$1.7B
+0.4% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Top 5.9% in tier |
| Loans |
$1.6B
+3.7% YoY+0.7% QoQ
|
+$404.9M |
$1.2B
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
79% |
| Deposits |
$2.5B
+2.0% YoY+0.6% QoQ
|
+$1.0B |
$1.5B
+0.5% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Top 1.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+14.2% YoY-14.3% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
3.1%
+3.0% YoY+2.8% QoQ
|
-0.3% |
3.4%
+6.2% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
29% |
| Efficiency Ratio |
77.4%
-2.0% YoY+4.3% QoQ
|
+2.8% |
74.6%
-3.0% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
61% |
| Delinquency Rate |
0.3%
+15.7% YoY-46.2% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 11.4% in tier |
| Loan To Share |
65.0%
+1.6% YoY+0.1% QoQ
|
-18.2% |
83.2%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.7% in tier |
| AMR |
$32,335
-0.3% YoY-0.1% QoQ
|
+$3K |
$29,652
+2.3% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
20.6%
+6.6% YoY+8.5% QoQ
|
-8.2% | 28.8% | 16.4% | 19.8% | 16% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 2.6% | 7.7% | Top 0.1% 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 (<15%). Healthy, sustainable growth model.
Concerns (2)
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.
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)