BlastPoint's Credit Union Scorecard
TOMPKINS EMPLOYEES
Charter #22962 · NY
TOMPKINS EMPLOYEES has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.80% above tier average
- + Net Interest Margin 0.76% above tier average
- + AMR Growth Rate: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 6.22% above tier average
- - Member decline: -16.6% YoY
- - Member Growth Rate: Bottom 2.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
- - Net Charge-Off Rate: Bottom 4.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
782
-16.6% YoY-31.3% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$12.5M
+6.3% YoY+1.7% QoQ
|
$-17.7M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
37% |
| Loans |
$4.0M
-11.2% YoY-1.5% QoQ
|
$-11.3M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$11.2M
+6.7% YoY+1.6% QoQ
|
$-14.6M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
38% |
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| ROA |
0.9%
+77.0% YoY+175.0% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
4.8%
-8.6% YoY-6.3% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
82.7%
-2.6% YoY-4.6% QoQ
|
-7.9% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
53% |
| Delinquency Rate |
7.7%
+2289.6% YoY+327.2% QoQ
|
+6.2 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.3% in tier |
| Loan To Share |
35.5%
-16.7% YoY-3.0% QoQ
|
-23.0% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$19,388
+21.5% YoY+46.8% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
8.4%
+14.0% YoY+16.8% QoQ
|
-15.9% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)