BlastPoint's Credit Union Scorecard
SYRACUSE COOPERATIVE
Charter #23865 · NY
SYRACUSE COOPERATIVE has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.26% above tier average
- + Net Interest Margin 1.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.4% in tier
- + Loan-to-Share Ratio: Top 4.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.49% above tier average
- - First Mortgage Concentration (%): Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.6% in tier
- - Members Per Employee (MPE): Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,614
-0.4% YoY+0.2% QoQ
|
+988 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$43.2M
+4.4% YoY-1.8% QoQ
|
+$13.3M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$34.9M
+6.7% YoY+3.9% QoQ
|
+$19.2M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 14.1% in tier |
| Deposits |
$34.9M
+5.9% YoY-1.3% QoQ
|
+$9.4M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
70% |
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| ROA |
4.9%
+285.6% YoY-26.9% QoQ
|
+4.3% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 0.8% in tier |
| NIM |
5.0%
+8.1% YoY+4.2% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 14.2% in tier |
| Efficiency Ratio |
59.5%
-27.7% YoY+12.1% QoQ
|
-21.9% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate |
6.0%
-18.8% YoY-7.6% QoQ
|
+4.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 4.6% in tier |
| Loan To Share |
100.1%
+0.7% YoY+5.3% QoQ
|
+38.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 4.2% in tier |
| AMR |
$19,318
+6.8% YoY+1.0% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
77% |
| CD Concentration |
9.4%
+49.9% YoY+3.9% QoQ
|
-15.0% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)