BlastPoint's Credit Union Scorecard

LEATHERSTOCKING REGION

Charter #22625 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

LEATHERSTOCKING REGION has 8 strengths but faces 4 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.35% above tier average
+ Net Interest Margin 0.13% above tier average
+ Strong member growth: 6.7% YoY
+ Asset Growth Rate: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Total Assets: Bottom 5.6% in tier
- Total Members: Bottom 6.5% in tier
- Total Deposits: Bottom 7.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	6,054 +6.7% YoY+1.5% QoQ	-9.1K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	Bottom 6.4% in tier
Assets	$107.5M +15.4% YoY+6.2% QoQ	$-124.2M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	Bottom 5.5% in tier
Loans	$62.7M +11.4% YoY-0.2% QoQ	$-81.4M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	Bottom 12.4% in tier
Deposits	$94.9M +15.7% YoY+6.7% QoQ	$-106.3M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	Bottom 7.0% 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	1.1% -21.1% YoY-26.3% QoQ	+0.3%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	74%
NIM	3.8% -9.2% YoY-6.5% QoQ	+0.1%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	65.8% +3.5% YoY+6.1% QoQ	-12.2%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	17%
Delinquency Rate	0.7% -40.8% YoY-25.0% QoQ	+0.0	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	61%
Loan To Share	66.1% -3.7% YoY-6.4% QoQ	-4.3%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	38%
AMR	$26,032 +6.8% YoY+2.3% QoQ	+$1K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	67%
CD Concentration	33.4% +16.9% YoY+3.6% QoQ	+9.2%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#19 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.72%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.07%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#47 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 6.72%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#35 of 157 • Top 50.0% 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: 1.07%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 6.72%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Wallet Share Momentum

growth

#300 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 6.77%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (1)

Margin Compression

decline

#81 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.07%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.36%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.29% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 15.38%

Peer Median: 3.91%

#29 of 1070 Top 2.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 15.70%

Peer Median: 3.30%

#31 of 1070 Top 2.8% in 100M-500M tier

Member Growth Rate

growth

Value: 6.72%

Peer Median: -0.06%

#71 of 1070 Top 6.5% in 100M-500M tier

107

First Mortgage Concentration (%)

balance_sheet

Value: 8.10%

Peer Median: 29.47%

#107 of 1070 Top 9.9% in 100M-500M tier

138

Loan Growth Rate

growth

Value: 11.39%

Peer Median: 2.93%

#138 of 1070 Top 12.8% in 100M-500M tier

179

Efficiency Ratio

profitability

Value: 65.81%

Peer Median: 78.68%

#179 of 1070 Top 16.6% in 100M-500M tier

233

AMR Growth Rate

growth

Value: 6.77%

Peer Median: 3.46%

#233 of 1070 Top 21.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1011

Total Assets

balance_sheet

Value: $107.53M

Peer Median: $196.57M

#1011 of 1070 Bottom 5.6% in 100M-500M tier

1001

Total Members

engagement

Value: 6,054

Peer Median: 13,200

#1001 of 1070 Bottom 6.5% in 100M-500M tier

995

Total Deposits

balance_sheet

Value: $94.86M

Peer Median: $171.29M

#995 of 1070 Bottom 7.1% in 100M-500M tier

937

Total Loans

balance_sheet

Value: $62.74M

Peer Median: $121.41M

#937 of 1070 Bottom 12.5% in 100M-500M tier

869

Share Certificate Concentration (%)

balance_sheet

Value: 33.44%

Peer Median: 23.10%

#869 of 1070 Bottom 18.9% in 100M-500M tier

836

Fee Income Per Member

profitability

Value: $104.42

Peer Median: $154.95

#836 of 1070 Bottom 22.0% in 100M-500M tier