BlastPoint's Credit Union Scorecard
BEREA
Charter #23888 · NY
<100M
2508 CUs in <100M nationally
179 in NY
BEREA has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 0.1% in tier
- + Deposit Growth Rate: Top 1.9% in tier
- + Asset Growth Rate: Top 4.0% in tier
- + AMR Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.4% in tier
- - Total Deposits: Bottom 0.6% in tier
- - Net Interest Margin (NIM): Bottom 0.8% in tier
- - Total Loans: Bottom 0.8% in tier
- - Average Member Relationship (AMR): Bottom 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.0% in tier
- - Total Members: Bottom 1.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
95
0% YoY-1.0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 1.1% in tier |
| Assets |
$96,260
+12.9% YoY+4.2% QoQ
|
$-30.1M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.4% in tier |
| Loans |
$5,922
-42.5% YoY+10.2% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.8% in tier |
| Deposits |
$83,154
+18.4% YoY+4.7% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.5% in tier |
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| ROA |
0.8%
-49.5% YoY-140.2% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
59% |
| NIM |
0.8%
-49.5% YoY-35.6% QoQ
|
-3.2% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.8% in tier |
| Efficiency Ratio |
0.0%
-100.0% QoQ
|
-90.6% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 0.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
7.1%
-51.4% YoY+5.3% QoQ
|
-51.4% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.4% in tier |
| AMR |
$937.6
+10.6% YoY+6.1% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.0% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
2
Efficiency Ratio
profitability
Value:
0.00%
Peer Median: 81.45%
#2 of 2508
Top 0.1% in <100M tier
48
Deposit Growth Rate
growth
Value:
18.38%
Peer Median: 0.66%
#48 of 2508
Top 1.9% in <100M tier
101
Asset Growth Rate
growth
Value:
12.92%
Peer Median: 1.30%
#101 of 2508
Top 4.0% in <100M tier
215
AMR Growth Rate
growth
Value:
10.60%
Peer Median: 1.27%
#215 of 2508
Top 8.5% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2498
Total Assets
balance_sheet
Value:
$96,260
Peer Median: $21.86M
#2498 of 2508
Bottom 0.4% in <100M tier
2495
Total Deposits
balance_sheet
Value:
$83,154
Peer Median: $18.77M
#2495 of 2508
Bottom 0.6% in <100M tier
2488
Net Interest Margin (NIM)
profitability
Value:
0.78%
Peer Median: 3.83%
#2488 of 2508
Bottom 0.8% in <100M tier
2488
Total Loans
balance_sheet
Value:
$5,922
Peer Median: $9.48M
#2488 of 2508
Bottom 0.8% in <100M tier
2484
Average Member Relationship (AMR)
engagement
Value:
$937.64
Peer Median: $13,926
#2484 of 2508
Bottom 1.0% in <100M tier
2483
Loan-to-Member Ratio (LMR)
engagement
Value:
$62.34
Peer Median: $4,923
#2483 of 2508
Bottom 1.0% in <100M tier
2481
Total Members
engagement
Value:
95
Peer Median: 1,918
#2481 of 2508
Bottom 1.1% in <100M tier
2476
Loan Growth Rate
growth
Value:
-42.50%
Peer Median: -2.36%
#2476 of 2508
Bottom 1.3% in <100M tier
2471
Loan-to-Share Ratio
balance_sheet
Value:
7.12%
Peer Median: 58.72%
#2471 of 2508
Bottom 1.5% in <100M tier