BlastPoint's Credit Union Scorecard
POLISH & SLAVIC
Charter #22592 · NY
POLISH & SLAVIC has 5 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 Leader: Top 36.3% in tier
- + Organic Growth Engine: Top 36.3% in tier
- + Total Deposits: Top 1.3% in tier
- + Net Charge-Off Rate: Top 6.3% in tier
- + Total Assets: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 82.0% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 6.93% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 7.0% in tier
- - Fee Income Per Member: Bottom 7.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 12 that size in New York.
- Shares and deposits +1.7% year over year ($2.49B in shares and deposits).
- Membership: 128,925 members, +3.4% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 0.52%.
- Efficiency ratio 79.95% vs a 73.02% peer average.
- Loan-to-share ratio 66.35% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
128,925
+3.4% YoY+1.4% QoQ
|
+32.1K |
96,861
-1.9% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$2.7B
+2.7% YoY+0.0% QoQ
|
+$1.0B |
$1.7B
+0.4% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Top 7.3% in tier |
| Loans |
$1.7B
+4.5% YoY+2.0% QoQ
|
+$416.9M |
$1.2B
+0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$2.5B
+1.7% YoY-0.1% QoQ
|
+$1.0B |
$1.5B
+0.5% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Top 1.7% in tier |
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| ROA |
0.5%
-20.1% YoY-32.3% QoQ
|
-0.3% |
0.8%
+27.6% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
3.1%
+3.5% YoY-0.1% QoQ
|
-0.4% |
3.4%
+6.6% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
79.9%
+0.6% YoY+3.3% QoQ
|
+6.9% |
73.0%
-2.7% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
0.3%
-29.1% YoY+20.0% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Top 12.3% in tier |
| Loan To Share |
66.4%
+2.8% YoY+2.1% QoQ
|
-18.4% |
84.7%
+0.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.3% in tier |
| AMR |
$32,108
-0.6% YoY-0.7% QoQ
|
+$3K |
$29,575
+1.5% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
21.8%
+11.7% YoY+5.5% QoQ
|
-7.3% | 29.1% | 16.4% | 20.0% | 20% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 2.7% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
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)