BlastPoint's Credit Union Scorecard
ADVANTAGE
Charter #24181 · NY
ADVANTAGE has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 1.0% in tier
- + Total Loans: Top 1.9% in tier
- + Total Members: Top 4.2% in tier
- + Loan-to-Share Ratio: Top 5.9% in tier
- + Total Deposits: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 1.18% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,565
+0.4% YoY-0.0% QoQ
|
+19.1K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 4.3% in tier |
| Assets |
$490.5M
+2.6% YoY+0.9% QoQ
|
+$258.6M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 1.1% in tier |
| Loans |
$350.6M
+1.7% YoY+0.1% QoQ
|
+$203.3M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 2.0% in tier |
| Deposits |
$365.4M
+1.6% YoY+2.1% QoQ
|
+$164.5M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 7.7% in tier |
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| ROA |
0.7%
+7.6% YoY+18.4% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.5%
+5.6% YoY-0.3% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
78.2%
+0.2% YoY-1.5% QoQ
|
+1.2% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.5%
+100.7% YoY+19.3% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
96.0%
+0.1% YoY-2.0% QoQ
|
+23.7% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 6.0% in tier |
| AMR |
$20,713
+1.3% YoY+1.2% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
18.1%
+4.3% YoY+11.3% QoQ
|
-6.3% | 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 (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)