BlastPoint's Credit Union Scorecard
SYRACUSE COOPERATIVE
Charter #23865 · NY
SYRACUSE COOPERATIVE has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 7.54% above tier average
- + Net Interest Margin 0.85% above tier average
- + Fee Income Per Member: Top 0.1% in tier
- + Efficiency Ratio: Top 4.7% in tier
- + Loan-to-Share Ratio: Top 5.9% in tier
- + Loan-to-Member Ratio (LMR): Top 8.2% in tier
- + Deposit Growth Rate: Top 8.5% in tier
- + Loan Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.18% above tier average
- - First Mortgage Concentration (%): Bottom 2.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.9% in tier
- - Members Per Employee (MPE): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,685
+1.9% YoY+2.0% QoQ
|
+1.0K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$47.4M
+6.0% YoY+2.1% QoQ
|
+$17.2M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
75% |
| Loans |
$36.8M
+10.4% YoY+1.9% QoQ
|
+$21.5M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 12.2% in tier |
| Deposits |
$39.4M
+9.9% YoY+2.9% QoQ
|
+$13.6M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
7.7%
-36.4% YoY+103.1% QoQ
|
+7.5% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 0.3% in tier |
| NIM |
4.9%
-6.2% YoY-0.3% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 14.2% in tier |
| Efficiency Ratio |
49.9%
+18.2% YoY-21.7% QoQ
|
-40.7% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 4.7% in tier |
| Delinquency Rate |
5.7%
-7.4% YoY+9.5% QoQ
|
+4.2 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.9% in tier |
| Loan To Share |
93.2%
+0.5% YoY-1.0% QoQ
|
+34.7% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 6.1% in tier |
| AMR |
$20,672
+8.2% YoY+0.3% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration |
11.4%
+64.7% YoY+6.8% QoQ
|
-12.9% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)