BlastPoint's Credit Union Scorecard
ACADEMIC
Charter #23425 · NY
ACADEMIC has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.00% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 13.78% above tier (higher cost structure)
- - Member decline: -6.1% YoY
- - First Mortgage Concentration (%): Bottom 5.0% in tier
- - Net Interest Margin (NIM): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,358
-6.1% YoY-7.3% QoQ
|
-257 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$34.7M
-1.2% YoY+1.1% QoQ
|
+$4.6M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$11.5M
-9.7% YoY-2.3% QoQ
|
$-4.3M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$30.8M
-2.8% YoY+1.4% QoQ
|
+$5.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
0.6%
-326.9% YoY-14.2% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
2.5%
+12.8% YoY+2.2% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.9% in tier |
| Efficiency Ratio |
96.3%
-12.5% YoY-2.4% QoQ
|
+13.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
1.4%
+126.0% YoY+92.0% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
37.1%
-7.1% YoY-3.7% QoQ
|
-23.5% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$17,941
+1.4% YoY+8.3% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
31.4%
+23.2% YoY+6.8% QoQ
|
+7.0% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)