BlastPoint's Credit Union Scorecard
C C S E
Charter #22754 · NY
C C S E demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 8.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,819
+1.7% YoY+0.4% QoQ
|
+3.2K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Top 10.2% in tier |
| Assets |
$61.7M
+6.3% YoY+0.1% QoQ
|
+$31.9M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$28.0M
+8.8% YoY+2.0% QoQ
|
+$12.2M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$55.6M
+5.8% YoY-0.2% QoQ
|
+$30.1M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Top 14.6% in tier |
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| ROA |
1.1%
+148.7% YoY+1.9% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
67% |
| NIM |
3.1%
+6.3% YoY+2.4% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
73.5%
-12.7% YoY-0.2% QoQ
|
-7.9% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.3%
+55.6% YoY+105.7% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
50.4%
+2.8% YoY+2.2% QoQ
|
-10.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$14,364
+5.0% YoY+0.1% QoQ
|
$-263 |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
16.0%
-3.3% YoY+0.5% QoQ
|
-8.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
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)