BlastPoint's Credit Union Scorecard

EDUCATIONAL AND GOVERNMENTAL

Charter #2346 · NY

<100M

2508 CUs in <100M nationally 179 in NY

EDUCATIONAL AND GOVERNMENTAL has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.21% above tier average
+ Net Interest Margin 0.14% above tier average
+ Total Members: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Member decline: -3.0% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	6,178 -3.0% YoY+9.2% QoQ	+3.5K	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	Top 8.0% in tier
Assets	$56.4M +1.4% YoY+0.4% QoQ	+$26.2M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	81%
Loans	$15.5M -4.9% YoY-4.9% QoQ	+$253K	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	63%
Deposits	$48.8M -5.7% YoY-0.4% QoQ	+$23.1M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	81%

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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	0.4% +172.6% YoY+185.0% QoQ	+0.2%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	38%
NIM	4.1% +15.1% YoY+7.4% QoQ	+0.1%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	64%
Efficiency Ratio	90.1% -6.9% YoY-5.1% QoQ	-0.6%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	69%
Delinquency Rate	1.3% +94.0% YoY-58.7% QoQ	-0.2	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	72%
Loan To Share	31.8% +0.8% YoY-4.5% QoQ	-26.7%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	Bottom 13.0% in tier
AMR	$10,421 -2.6% YoY-9.8% QoQ	$-4K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	31%
CD Concentration	4.1% +17.8% YoY+1.7% QoQ	-20.2%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

201

Total Members

engagement

Value: 6,178

Peer Median: 1,918

#201 of 2508 Top 8.0% in <100M tier

333

Members Per Employee (MPE)

engagement

Value: 514.833

Peer Median: 333.750

#333 of 2508 Top 13.2% in <100M tier

474

Total Deposits

balance_sheet

Value: $48.85M

Peer Median: $18.77M

#474 of 2508 Top 18.9% in <100M tier

480

Total Assets

balance_sheet

Value: $56.40M

Peer Median: $21.86M

#480 of 2508 Top 19.1% in <100M tier

Top Weaknesses (4 metrics)

2180

Loan-to-Share Ratio

balance_sheet

Value: 31.80%

Peer Median: 58.72%

#2180 of 2508 Bottom 13.1% in <100M tier

2121

Deposit Growth Rate

growth

Value: -5.70%

Peer Median: 0.66%

#2121 of 2508 Bottom 15.5% in <100M tier

2039

Loan-to-Member Ratio (LMR)

engagement

Value: $2,514

Peer Median: $4,923

#2039 of 2508 Bottom 18.7% in <100M tier

1973

Net Charge-Off Rate

risk

Value: 0.65%

Peer Median: 0.07%

#1973 of 2508 Bottom 21.4% in <100M tier