BlastPoint's Credit Union Scorecard
STEWART'S
Charter #24036 · NY
STEWART'S has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.11% above tier average
- + Strong member growth: 8.1% YoY
- + Member Growth Rate: Top 3.7% in tier
- + Efficiency Ratio: Top 3.9% in tier
- + Members Per Employee (MPE): Top 4.1% in tier
- + Loan Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,367
+8.1% YoY+1.6% QoQ
|
+1.8K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$47.1M
+2.1% YoY+2.4% QoQ
|
+$17.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$18.2M
+16.8% YoY+1.9% QoQ
|
+$2.5M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$43.2M
+0.6% YoY+2.3% QoQ
|
+$17.5M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
1.7%
+44.2% YoY+12.9% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 11.0% in tier |
| NIM |
3.1%
+22.3% YoY+0.8% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
48.5%
-18.6% YoY-2.6% QoQ
|
-34.1% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 3.9% in tier |
| Delinquency Rate |
0.7%
-26.5% YoY-10.3% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
42.2%
+16.1% YoY-0.4% QoQ
|
-18.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$14,060
-3.0% YoY+0.6% QoQ
|
$-722 |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
3.5%
-21.3% YoY-7.1% QoQ
|
-20.9% | 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)