BlastPoint's Credit Union Scorecard
ALTERNATIVES
Charter #23283 · NY
ALTERNATIVES has 2 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 81.6% in tier
- + Net Interest Margin 0.51% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.5% in tier
- - Stagnation Risk: Bottom 12.1% in tier
- - Membership Headwinds: Bottom 23.3% in tier
- - Efficiency Drag: Bottom 62.2% in tier
- - ROA 1.89% below tier average
- - Efficiency ratio 19.41% above tier (higher cost structure)
- - Delinquency rate 5.14% above tier average
- - Member decline: -5.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 0.2% in tier
- - Net Charge-Off Rate: Bottom 2.1% in tier
- - Asset Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,490
-5.1% YoY-2.4% QoQ
|
-2.9K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$163.8M
-1.5% YoY-1.6% QoQ
|
$-68.0M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$94.6M
+0.1% YoY+6.8% QoQ
|
$-52.8M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$146.6M
+0.9% YoY-1.1% QoQ
|
$-54.2M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
-1.1%
-635.9% YoY+10.8% QoQ
|
-1.9% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.1% in tier |
| NIM |
4.1%
+5.1% YoY+1.5% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
96.4%
+6.5% YoY-1.1% QoQ
|
+19.4% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 3.9% in tier |
| Delinquency Rate |
6.0%
+17.8% YoY+7.2% QoQ
|
+5.1 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 0.2% in tier |
| Loan To Share |
64.5%
-0.8% YoY+8.0% QoQ
|
-7.7% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$19,312
+6.0% YoY+4.3% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
12.8%
+0.0% YoY-8.3% QoQ
|
-11.6% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
1.7%
-44.2% YoY-19.3% QoQ
|
-12.1% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)