BlastPoint's Credit Union Scorecard
SYRACUSE COOPERATIVE
Charter #23865 · NY
SYRACUSE COOPERATIVE has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.16% above tier average
- + Net Interest Margin 0.92% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.4% in tier
- + Deposit Growth Rate: Top 3.0% in tier
- + Asset Growth Rate: Top 4.9% in tier
- + Loan-to-Share Ratio: Top 7.2% in tier
- + AMR Growth Rate: Top 7.7% in tier
- + Loan-to-Member Ratio (LMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.64% above tier average
- - First Mortgage Concentration (%): Bottom 2.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
- - Members Per Employee (MPE): Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,611
+0.1% YoY-0.1% QoQ
|
+995 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$46.4M
+13.0% YoY+7.4% QoQ
|
+$16.2M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$36.1M
+7.0% YoY+3.3% QoQ
|
+$20.3M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 13.4% in tier |
| Deposits |
$38.3M
+16.2% YoY+9.8% QoQ
|
+$12.6M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
3.8%
+65.2% YoY-23.4% QoQ
|
+3.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 0.8% in tier |
| NIM |
4.9%
+3.3% YoY-2.4% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
63.7%
-15.8% YoY+7.1% QoQ
|
-18.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
5.2%
-29.2% YoY-13.5% QoQ
|
+3.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 5.9% in tier |
| Loan To Share |
94.2%
-7.9% YoY-6.0% QoQ
|
+33.5% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 7.3% in tier |
| AMR |
$20,603
+11.5% YoY+6.7% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
10.7%
+54.1% YoY+14.0% QoQ
|
-13.7% | 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)