BlastPoint's Credit Union Scorecard
LOCAL 804
Charter #23144 ยท NY
2596 CUs in <100M nationally
188 in NY
LOCAL 804 has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.86% above tier average
- + Net Interest Margin 1.97% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 5.2% in tier
- + Net Worth Ratio: Top 5.4% in tier
- + Members Per Employee (MPE): Top 5.9% in tier
- + Member Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.31% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,230
+4.1% YoY+1.2% QoQ
|
+604 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$21.0M
+4.2% YoY+0.1% QoQ
|
$-8.8M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$14.2M
+1.6% YoY-0.7% QoQ
|
$-1.6M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$14.5M
+2.6% YoY-1.0% QoQ
|
$-11.0M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
45% |
| ROA |
2.5%
+110.9% YoY+8.6% QoQ
|
+1.9% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 3.4% in tier |
| NIM |
5.9%
+2.6% YoY-0.8% QoQ
|
+2.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 4.6% in tier |
| Efficiency Ratio |
62.8%
-0.3% YoY-2.3% QoQ
|
-18.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
3.8%
+19.9% YoY+6.9% QoQ
|
+2.3 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 8.9% in tier |
| Loan To Share |
98.0%
-1.0% YoY+0.3% QoQ
|
+36.7% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 5.4% in tier |
| AMR |
$8,867
-1.9% YoY-2.0% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
23% |
| CD Concentration |
2.9%
-51.8% YoY-9.7% QoQ
|
-21.5% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
89
Return on Assets (ROA)
profitability
Value:
2.55%
Peer Avg: 0.68%
#89 of 2596
Top 3.4% in <100M tier
119
Net Interest Margin (NIM)
profitability
Value:
5.90%
Peer Avg: 3.93%
#119 of 2596
Top 4.5% in <100M tier
136
Loan-to-Share Ratio
balance_sheet
Value:
97.96%
Peer Avg: 61.23%
#136 of 2596
Top 5.2% in <100M tier
141
Net Worth Ratio
risk
Value:
31.20%
Peer Avg: 16.43%
#141 of 2596
Top 5.4% in <100M tier
154
Members Per Employee (MPE)
engagement
Value:
646.000
Peer Avg: 365.701
#154 of 2596
Top 5.9% in <100M tier
215
Member Growth Rate
growth
Value:
4.13%
Peer Avg: 14.92%
#215 of 2596
Top 8.2% in <100M tier
466
Fee Income Per Member
profitability
Value:
$137.64
Peer Avg: $182.96
#466 of 2596
Top 17.9% in <100M tier
467
Efficiency Ratio
profitability
Value:
62.81%
Peer Avg: 81.39%
#467 of 2596
Top 18.0% in <100M tier
Top Weaknesses (2 metrics)
2366
Total Delinquency Rate (60+ days)
risk
Value:
3.82%
Peer Avg: 1.51%
#2366 of 2596
Bottom 8.9% in <100M tier
1989
Average Member Relationship (AMR)
engagement
Value:
$8,867
Peer Avg: $14,627
#1989 of 2596
Bottom 23.4% in <100M tier