BlastPoint's Credit Union Scorecard
LEATHERSTOCKING REGION
Charter #22625 · NY
LEATHERSTOCKING REGION has 14 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.8% in tier
- + Emerging Performer: Top 6.1% in tier
- + Organic Growth Leader: Top 13.4% in tier
- + Wallet Share Momentum: Top 72.3% in tier
- + ROA 0.69% above tier average
- + Net Interest Margin 0.42% above tier average
- + Strong member growth: 6.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 5.2% in tier
- + Deposit Growth Rate: Top 5.5% in tier
- + Member Growth Rate: Top 6.2% in tier
- + Loan Growth Rate: Top 8.9% in tier
- + Efficiency Ratio: Top 9.5% in tier
- + First Mortgage Concentration (%): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 60.7% in tier
- - Delinquency rate 0.10% above tier average
- - Total Assets: Bottom 0.9% in tier
- - Total Deposits: Bottom 2.4% in tier
- - Total Members: Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,965
+6.6% YoY+0.9% QoQ
|
-9.5K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 5.7% in tier |
| Assets |
$101.3M
+13.3% YoY+2.2% QoQ
|
$-130.6M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.8% in tier |
| Loans |
$62.8M
+14.0% YoY-1.5% QoQ
|
$-84.5M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.3% in tier |
| Deposits |
$88.9M
+13.2% YoY+2.3% QoQ
|
$-111.9M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.3% in tier |
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| ROA |
1.5%
-9.8% YoY-10.4% QoQ
|
+0.7% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 11.8% in tier |
| NIM |
4.0%
-4.4% YoY-1.7% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
62.0%
+4.1% YoY+5.2% QoQ
|
-15.0% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.5% in tier |
| Delinquency Rate |
1.0%
-36.6% YoY-14.9% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
70.7%
+0.7% YoY-3.8% QoQ
|
-1.5% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$25,440
+6.5% YoY-0.2% QoQ
|
+$764 |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
32.3%
+16.7% YoY+4.8% QoQ
|
+7.9% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)