BlastPoint's Credit Union Scorecard
BEREA
Charter #23888 · NY
<100M
2437 CUs in <100M nationally
176 in NY
BEREA has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Deposit Growth Rate: Top 2.8% in tier
- + Asset Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Efficiency ratio 123.10% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Assets: Bottom 0.4% in tier
- - Net Interest Margin (NIM): Bottom 0.4% in tier
- - Total Deposits: Bottom 0.5% in tier
- - Total Loans: Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
93
+1.1% YoY-2.1% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 0.9% in tier |
| Assets |
$96,748
+11.3% YoY+0.5% QoQ
|
$-30.2M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.3% in tier |
| Loans |
$3,795
-64.0% YoY-35.9% QoQ
|
$-15.5M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.6% in tier |
| Deposits |
$84,208
+16.4% YoY+1.3% QoQ
|
$-25.7M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.5% in tier |
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| ROA |
0.8%
-400.2% YoY+0.0% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
0.7%
-51.2% YoY-10.6% QoQ
|
-3.2% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.4% in tier |
| Efficiency Ratio |
211.9%
+79.5% YoY
|
+123.1% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
4.5%
-69.1% YoY-36.7% QoQ
|
-54.4% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.8% in tier |
| AMR |
$946.3
+5.0% YoY+0.9% QoQ
|
$-14K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.8% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.70%
#1 of 2437
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2437
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.59%
#1 of 2437
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.77%
#1 of 2437
Top 0.1% in <100M tier
69
Deposit Growth Rate
growth
Value:
16.40%
Peer Median: 0.92%
#69 of 2437
Top 2.8% in <100M tier
123
Asset Growth Rate
growth
Value:
11.32%
Peer Median: 1.25%
#123 of 2437
Top 5.0% in <100M tier
343
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.18%
#343 of 2437
Top 14.0% in <100M tier
525
Member Growth Rate
growth
Value:
1.09%
Peer Median: -1.37%
#525 of 2437
Top 21.5% in <100M tier
610
AMR Growth Rate
growth
Value:
5.02%
Peer Median: 1.04%
#610 of 2437
Top 25.0% in <100M tier
Top Weaknesses (12 metrics)
2437
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 328.333
#2437 of 2437
Bottom 0.1% in <100M tier
2429
Total Assets
balance_sheet
Value:
$96,748
Peer Median: $21.91M
#2429 of 2437
Bottom 0.4% in <100M tier
2428
Net Interest Margin (NIM)
profitability
Value:
0.70%
Peer Median: 3.87%
#2428 of 2437
Bottom 0.4% in <100M tier
2426
Total Deposits
balance_sheet
Value:
$84,208
Peer Median: $18.69M
#2426 of 2437
Bottom 0.5% in <100M tier
2423
Total Loans
balance_sheet
Value:
$3,795
Peer Median: $9.49M
#2423 of 2437
Bottom 0.6% in <100M tier
2421
Loan-to-Member Ratio (LMR)
engagement
Value:
$40.81
Peer Median: $4,937
#2421 of 2437
Bottom 0.7% in <100M tier
2418
Loan Growth Rate
growth
Value:
-64.05%
Peer Median: -2.63%
#2418 of 2437
Bottom 0.8% in <100M tier
2417
Average Member Relationship (AMR)
engagement
Value:
$946.27
Peer Median: $13,967
#2417 of 2437
Bottom 0.9% in <100M tier
2416
Loan-to-Share Ratio
balance_sheet
Value:
4.51%
Peer Median: 58.67%
#2416 of 2437
Bottom 0.9% in <100M tier
2415
Total Members
engagement
Value:
93
Peer Median: 1,902
#2415 of 2437
Bottom 0.9% in <100M tier