BlastPoint's Credit Union Scorecard
LOWER EAST SIDE PEOPLE'S
Charter #24232 · NY
LOWER EAST SIDE PEOPLE'S has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.12% above tier average
- + Total Loans: Top 2.0% in tier
- + Total Members: Top 2.5% in tier
- + Loan-to-Share Ratio: Top 4.7% in tier
- + Total Assets: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.21% below tier average
- - Efficiency ratio 6.62% above tier (higher cost structure)
- - Delinquency rate 2.91% above tier average
- - Member decline: -4.7% YoY
- - First Mortgage Concentration (%): Bottom 6.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -6.3% year over year ($61.8M in shares and deposits).
- Membership: 8,657 members, -4.7% vs a year ago.
- Delinquency rate 4.45%.
- Return on assets 0.28%.
- Efficiency ratio 95.39% vs a 88.77% peer average.
- Loan-to-share ratio 96.60% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,657
-4.7% YoY-0.3% QoQ
|
+6.1K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 2.6% in tier |
| Assets |
$84.8M
-4.5% YoY-6.1% QoQ
|
+$54.5M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Top 5.8% in tier |
| Loans |
$59.7M
+9.7% YoY+5.9% QoQ
|
+$44.2M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 2.0% in tier |
| Deposits |
$61.8M
-6.3% YoY-7.9% QoQ
|
+$36.0M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Top 11.5% in tier |
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| ROA |
0.3%
-87.9% YoY-44.4% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
17% |
| NIM |
6.0%
+24.3% YoY-4.0% QoQ
|
+2.1% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
95.4%
+34.3% YoY+3.9% QoQ
|
+6.6% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
4.5%
-13.4% YoY+34.1% QoQ
|
+2.9 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.7% in tier |
| Loan To Share |
96.6%
+17.1% YoY+15.0% QoQ
|
+37.7% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 4.8% in tier |
| AMR |
$14,032
+5.9% YoY-1.3% QoQ
|
$-931 |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
3.1%
+21.2% YoY+8.8% QoQ
|
-21.5% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 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)