BlastPoint's Credit Union Scorecard
LOCAL 804
Charter #23144 · NY
LOCAL 804 has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.64% above tier average
- + Net Interest Margin 1.82% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.2% in tier
- + Net Worth Ratio: Top 5.8% in tier
- + Loan-to-Share Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.21% above tier average
- - Total Delinquency Rate (60+ days): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,168
+0.8% YoY-1.9% QoQ
|
+552 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$21.8M
+6.1% YoY+3.7% QoQ
|
$-8.3M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$13.9M
-1.5% YoY-1.8% QoQ
|
$-1.8M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$15.2M
+5.3% YoY+4.8% QoQ
|
$-10.5M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
2.3%
+88.5% YoY-11.3% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 4.4% in tier |
| NIM |
5.8%
-0.8% YoY-2.2% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 5.2% in tier |
| Efficiency Ratio |
64.0%
-3.1% YoY+1.9% QoQ
|
-18.5% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
3.8%
+26.6% YoY-1.2% QoQ
|
+2.2 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 9.4% in tier |
| Loan To Share |
91.8%
-6.5% YoY-6.3% QoQ
|
+31.2% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 8.8% in tier |
| AMR |
$9,179
+1.1% YoY+3.5% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
2.2%
-58.3% YoY-24.2% QoQ
|
-22.2% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)