BlastPoint's Credit Union Scorecard
ALTERNATIVES
Charter #23283 · NY
ALTERNATIVES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.14% above tier average
- + Net Interest Margin 0.68% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 16.93% above tier (higher cost structure)
- - Delinquency rate 3.83% above tier average
- - Member decline: -7.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 0.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
- Shares and deposits -2.3% year over year ($145M in shares and deposits).
- Membership: 12,051 members, -7.1% vs a year ago.
- Delinquency rate 4.71%.
- Return on assets 1.01%.
- Efficiency ratio 93.67% vs a 76.73% peer average.
- Loan-to-share ratio 67.45% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,051
-7.1% YoY-1.7% QoQ
|
-3.1K |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$161.4M
-3.6% YoY-0.3% QoQ
|
$-70.6M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$97.5M
+6.6% YoY+5.1% QoQ
|
$-48.8M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$144.5M
-2.3% YoY-0.4% QoQ
|
$-56.2M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
1.0%
-637.2% YoY-184.4% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
4.4%
+10.5% YoY+0.3% QoQ
|
+0.7% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 14.0% in tier |
| Efficiency Ratio |
93.7%
-6.9% YoY-0.0% QoQ
|
+16.9% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
4.7%
-20.7% YoY+26.6% QoQ
|
+3.8 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.6% in tier |
| Loan To Share |
67.4%
+9.2% YoY+5.5% QoQ
|
-4.1% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$20,080
+8.8% YoY+3.5% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
11.3%
-11.4% YoY-3.4% QoQ
|
-13.2% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % |
1.1%
-50.8% YoY-18.0% QoQ
|
-12.5% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)