BlastPoint's Credit Union Scorecard
LOCAL 804
Charter #23144 · NY
LOCAL 804 has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.76% above tier average
- + Net Interest Margin 1.63% above tier average
- + Members Per Employee (MPE): Top 3.1% in tier
- + Net Worth Ratio: Top 5.1% in tier
- + Loan-to-Share Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.07% above tier average
- - Total Delinquency Rate (60+ days): Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,166
-0.2% YoY-0.1% QoQ
|
+489 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$21.7M
+5.2% YoY-0.5% QoQ
|
$-8.5M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$13.5M
-4.4% YoY-3.0% QoQ
|
$-1.8M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$15.0M
+3.9% YoY-1.4% QoQ
|
$-10.8M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
45% |
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| ROA |
1.9%
+25.8% YoY-15.4% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 7.8% in tier |
| NIM |
5.6%
-5.5% YoY-2.4% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 5.7% in tier |
| Efficiency Ratio |
72.3%
+3.0% YoY+12.9% QoQ
|
-18.4% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
29% |
| Delinquency Rate |
3.6%
+26.5% YoY-5.1% QoQ
|
+2.1 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.1% in tier |
| Loan To Share |
90.3%
-8.0% YoY-1.6% QoQ
|
+31.8% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 8.1% in tier |
| AMR |
$8,987
-0.1% YoY-2.1% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
2.2%
-35.6% YoY+1.4% QoQ
|
-22.0% | 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)