BlastPoint's Credit Union Scorecard
BEREA
Charter #23888 · NY
<100M
2556 CUs in <100M nationally
183 in NY
BEREA has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Deposit Growth Rate: Top 3.2% in tier
- + Asset Growth Rate: Top 7.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Member Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 2.56% below tier average
- - Efficiency ratio 176.86% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.4% in tier
- - Total Deposits: Bottom 0.6% in tier
- - Total Loans: Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
96
+3.2% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 1.1% in tier |
| Assets |
$92,358
+10.9% YoY+3.9% QoQ
|
$-30.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.4% in tier |
| Loans |
$5,372
-57.4% YoY-34.0% QoQ
|
$-15.8M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.7% in tier |
| Deposits |
$79,441
+15.8% YoY+5.9% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.5% in tier |
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| ROA |
-1.9%
+87.6% YoY+47.8% QoQ
|
-2.6% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.2% in tier |
| NIM |
1.2%
-48.9% YoY-10.5% QoQ
|
-2.7% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio |
259.4%
+80.6% YoY+32.1% QoQ
|
+176.9% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
6.8%
-63.3% YoY-37.6% QoQ
|
-53.9% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.3% in tier |
| AMR |
$883.5
+1.2% YoY+2.0% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.9% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
83
Deposit Growth Rate
growth
Value:
15.83%
Peer Median: -
#83 of 2556
Top 3.2% in <100M tier
190
Asset Growth Rate
growth
Value:
10.93%
Peer Median: -
#190 of 2556
Top 7.4% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
250
Member Growth Rate
growth
Value:
3.23%
Peer Median: -
#250 of 2556
Top 9.7% in <100M tier
Top Weaknesses (13 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.1% in <100M tier
2547
Total Assets
balance_sheet
Value:
$92,358
Peer Median: -
#2547 of 2556
Bottom 0.4% in <100M tier
2542
Total Deposits
balance_sheet
Value:
$79,441
Peer Median: -
#2542 of 2556
Bottom 0.6% in <100M tier
2541
Efficiency Ratio
profitability
Value:
259.42%
Peer Median: -
#2541 of 2556
Bottom 0.6% in <100M tier
2538
Total Loans
balance_sheet
Value:
$5,372
Peer Median: -
#2538 of 2556
Bottom 0.7% in <100M tier
2534
Average Member Relationship (AMR)
engagement
Value:
$883.47
Peer Median: -
#2534 of 2556
Bottom 0.9% in <100M tier
2533
Loan-to-Member Ratio (LMR)
engagement
Value:
$55.96
Peer Median: -
#2533 of 2556
Bottom 0.9% in <100M tier
2531
Loan Growth Rate
growth
Value:
-57.44%
Peer Median: -
#2531 of 2556
Bottom 1.0% in <100M tier
2529
Total Members
engagement
Value:
96
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2523
Net Interest Margin (NIM)
profitability
Value:
1.21%
Peer Median: -
#2523 of 2556
Bottom 1.3% in <100M tier