BlastPoint's Credit Union Scorecard

ALTERNATIVES

Charter #23283 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

ALTERNATIVES has 1 strength but faces 8 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

+ Net Interest Margin 0.72% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 1.92% below tier average
- Efficiency ratio 15.68% above tier (higher cost structure)
- Delinquency rate 2.95% above tier average
- Member decline: -5.6% YoY
- Total Delinquency Rate (60+ days): Bottom 0.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	12,263 -5.6% YoY-1.8% QoQ	-2.9K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	45%
Assets	$162.0M -4.1% YoY-1.1% QoQ	$-69.7M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	36%
Loans	$92.8M +0.6% YoY-1.9% QoQ	$-51.4M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	32%
Deposits	$145.1M -2.3% YoY-1.0% QoQ	$-56.0M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-1.2% +1263.7% YoY+6.0% QoQ	-1.9%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Bottom 0.7% in tier
NIM	4.3% +12.4% YoY+5.6% QoQ	+0.7%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Top 13.2% in tier
Efficiency Ratio	93.7% -8.0% YoY-2.8% QoQ	+15.7%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Bottom 8.5% in tier
Delinquency Rate	3.7% -5.5% YoY-38.3% QoQ	+2.9	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Bottom 0.9% in tier
Loan To Share	63.9% +3.0% YoY-0.9% QoQ	-6.5%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	34%
AMR	$19,401 +4.7% YoY+0.5% QoQ	$-6K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	29%
CD Concentration	11.7% -10.9% YoY-8.6% QoQ	-12.6%	24.3%	16.4%	19.8%	50%
Indirect Auto %	1.4% -48.3% YoY-17.8% QoQ	-12.4%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Stagnation Risk

risk

#68 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.64%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.61%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 3.72%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#105 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -5.64%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#432 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 93.71%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -1.11% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -5.64%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (2 metrics)

141

Net Interest Margin (NIM)

profitability

Value: 4.35%

Peer Median: 3.62%

#141 of 1070 Top 13.1% in 100M-500M tier

141

Share Certificate Concentration (%)

balance_sheet

Value: 11.70%

Peer Median: 23.10%

#141 of 1070 Top 13.1% in 100M-500M tier

Top Weaknesses (10 metrics)

1062

Return on Assets (ROA)

profitability

Value: -1.19%

Peer Median: 0.69%

#1062 of 1070 Bottom 0.8% in 100M-500M tier

1061

Total Delinquency Rate (60+ days)

risk

Value: 3.72%

Peer Median: 0.61%

#1061 of 1070 Bottom 0.9% in 100M-500M tier

1060

Net Charge-Off Rate

risk

Value: 2.70%

Peer Median: 0.35%

#1060 of 1070 Bottom 1.0% in 100M-500M tier

1026

Asset Growth Rate

growth

Value: -4.07%

Peer Median: 3.91%

#1026 of 1070 Bottom 4.2% in 100M-500M tier

982

Member Growth Rate

growth

Value: -5.64%

Peer Median: -0.06%

#982 of 1070 Bottom 8.3% in 100M-500M tier

980

Efficiency Ratio

profitability

Value: 93.71%

Peer Median: 78.68%

#980 of 1070 Bottom 8.5% in 100M-500M tier

976

Deposit Growth Rate

growth

Value: -2.30%

Peer Median: 3.30%

#976 of 1070 Bottom 8.9% in 100M-500M tier

958

Members Per Employee (MPE)

engagement

Value: 227.093

Peer Median: 309.176

#958 of 1070 Bottom 10.6% in 100M-500M tier

893

First Mortgage Concentration (%)

balance_sheet

Value: 48.18%

Peer Median: 29.47%

#893 of 1070 Bottom 16.6% in 100M-500M tier

804

Net Worth Ratio

risk

Value: 9.76%

Peer Median: 11.45%

#804 of 1070 Bottom 25.0% in 100M-500M tier