BlastPoint's Credit Union Scorecard

ALTERNATIVES

Charter #23283 · NY

1077 CUs in 100M-500M nationally 52 in NY

ALTERNATIVES has 3 strengths but faces 13 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 20.9% in tier
+ Wallet Share Momentum: Top 33.4% in tier
+ Net Interest Margin 0.47% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.2% in tier
- Institutional Decline: Bottom 9.7% in tier
- Membership Headwinds: Bottom 10.1% in tier
- Efficiency Drag: Bottom 16.8% in tier
- Stagnation Risk: Bottom 29.8% in tier
- ROA 1.81% below tier average
- Efficiency ratio 20.19% above tier (higher cost structure)
- Delinquency rate 4.77% above tier average
- Member decline: -4.0% YoY
- Total Delinquency Rate (60+ days): Bottom 0.2% in tier
- Net Charge-Off Rate: Bottom 0.9% in tier
- Loan Growth Rate: Bottom 5.5% in tier
- Members Per Employee (MPE): Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	12,792 -4.0% YoY-1.4% QoQ	-2.8K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	46%
Assets	$166.4M +0.0% YoY-0.6% QoQ	$-64.9M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	37%
Loans	$88.6M -8.3% YoY-3.1% QoQ	$-59.2M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	28%
Deposits	$148.3M +1.1% YoY+0.2% QoQ	$-52.0M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	40%
ROA	-1.0% -354.7% YoY+442.5% QoQ	-1.8%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	Bottom 0.7% in tier
NIM	4.1% +6.2% YoY+2.7% QoQ	+0.5%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	76%
Efficiency Ratio	97.5% +15.5% YoY-3.2% QoQ	+20.2%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	Top 3.6% in tier
Delinquency Rate	5.6% +12.1% YoY-5.4% QoQ	+4.8	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	Top 0.2% in tier
Loan To Share	59.7% -9.3% YoY-3.3% QoQ	-13.0%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	21%
AMR	$18,518 +1.4% YoY+0.3% QoQ	$-6K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	26%
CD Concentration	14.0% +12.0% YoY+9.4% QoQ	-10.4%	24.4% +4.2% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	2.1% -52.3% YoY-9.6% QoQ	-11.9%	14.0% -5.8% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#578 of 1006 • Top 20.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature

AMR Growth (YoY): 1.42%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $3.8K

(Tier: $2.8K, National: $2.0K)

better than tier avg

1006 of 1077 Community CUs have this signature | 1330 nationally

↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth

#921 of 1006 • Top 33.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature

AMR Growth (YoY): 1.42%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

1006 of 1077 Community CUs have this signature | 1330 nationally

↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#106 of 736 • Bottom 4.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.61% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Institutional Decline

decline

#77 of 256 • Bottom 9.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $166.43M

(Tier: $231.30M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -3.97%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -8.26%

(Tier: 3.64%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline

#167 of 550 • Bottom 10.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.97%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk

#298 of 521 • Bottom 16.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 97.47%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -1.42% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -3.97%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Stagnation Risk

risk

#492 of 550 • Bottom 29.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature

Return on Assets: -1.02%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

Member Growth (YoY): -3.97%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Avg Member Relationship: $18.5K

(Tier: $25.0K, National: $19.4K)

worse than tier avg

CD Concentration: 13.96%

(Tier: 24.41%, National: 19.60%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

204

Share Certificate Concentration (%)

balance_sheet

Value: 13.96%

Peer Avg: 23.61%

#204 of 1077 Top 18.8% in 100M-500M tier

253

Net Interest Margin (NIM)

profitability

Value: 4.05%

Peer Avg: 3.58%

#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (11 metrics)

1076

Total Delinquency Rate (60+ days)

risk

Value: 5.63%

Peer Avg: 0.86%

#1076 of 1077 Bottom 0.2% in 100M-500M tier

1069

Return on Assets (ROA)

profitability

Value: -1.02%

Peer Avg: 0.79%

#1069 of 1077 Bottom 0.8% in 100M-500M tier

1068

Net Charge-Off Rate

risk

Value: 2.18%

Peer Avg: 0.47%

#1068 of 1077 Bottom 0.9% in 100M-500M tier

1039

Efficiency Ratio

profitability

Value: 97.47%

Peer Avg: 77.28%

#1039 of 1077 Bottom 3.6% in 100M-500M tier

1019

Loan Growth Rate

growth

Value: -8.26%

Peer Avg: 3.45%

#1019 of 1077 Bottom 5.5% in 100M-500M tier

985

Members Per Employee (MPE)

engagement

Value: 220.552

Peer Avg: 332.881

#985 of 1077 Bottom 8.6% in 100M-500M tier

936

Member Growth Rate

growth

Value: -3.97%

Peer Avg: 0.72%

#936 of 1077 Bottom 13.2% in 100M-500M tier

878

First Mortgage Concentration (%)

balance_sheet

Value: 46.37%

Peer Avg: 30.43%

#878 of 1077 Bottom 18.6% in 100M-500M tier

877

Asset Growth Rate

growth

Value: 0.01%

Peer Avg: 4.70%

#877 of 1077 Bottom 18.7% in 100M-500M tier

846

Loan-to-Share Ratio

balance_sheet

Value: 59.74%

Peer Avg: 72.70%

#846 of 1077 Bottom 21.5% in 100M-500M tier