BlastPoint's Credit Union Scorecard
SYRACUSE COOPERATIVE
Charter #23865 · NY
SYRACUSE COOPERATIVE has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.72% above tier average
- + Net Interest Margin 0.88% above tier average
- + Fee Income Per Member: Top 0.4% in tier
- + Loan-to-Share Ratio: Top 2.6% in tier
- + Loan Growth Rate: Top 5.0% in tier
- + Member Growth Rate: Top 7.0% in tier
- + Loan-to-Member Ratio (LMR): Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.69% above tier average
- - First Mortgage Concentration (%): Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.1% in tier
- - Members Per Employee (MPE): Bottom 8.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits +8.5% year over year ($38.4M in shares and deposits).
- Membership: 3,778 members, +4.8% vs a year ago.
- Delinquency rate 5.24%.
- Return on assets 3.21%.
- Efficiency ratio 68.51% vs a 88.77% peer average.
- Loan-to-share ratio 101.67% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,778
+4.8% YoY+2.5% QoQ
|
+1.2K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
77% |
| Assets |
$47.2M
+7.3% YoY-0.4% QoQ
|
+$16.9M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$39.0M
+16.0% YoY+6.1% QoQ
|
+$23.5M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 10.8% in tier |
| Deposits |
$38.4M
+8.5% YoY-2.7% QoQ
|
+$12.6M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
3.2%
-52.5% YoY-58.2% QoQ
|
+1.7% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 3.7% in tier |
| NIM |
4.8%
-0.3% YoY-1.7% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
68.5%
+29.0% YoY+37.3% QoQ
|
-20.3% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate |
5.2%
-19.4% YoY-8.0% QoQ
|
+3.7 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.1% in tier |
| Loan To Share |
101.7%
+6.9% YoY+9.1% QoQ
|
+42.8% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 2.7% in tier |
| AMR |
$20,475
+7.1% YoY-1.0% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
10.6%
+17.5% YoY-7.2% QoQ
|
-14.0% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)