BlastPoint's Credit Union Scorecard
LOWER EAST SIDE PEOPLE'S
Charter #24232 · NY
LOWER EAST SIDE PEOPLE'S has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 2.27% above tier average
- + Total Members: Top 2.4% in tier
- + Total Loans: Top 2.6% in tier
- + Total Assets: Top 3.7% in tier
- + Total Deposits: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.22% above tier (higher cost structure)
- - Delinquency rate 1.82% above tier average
- - Member decline: -5.5% YoY
- - First Mortgage Concentration (%): Bottom 5.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,683
-5.5% YoY-1.2% QoQ
|
+6.0K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 2.5% in tier |
| Assets |
$90.3M
+0.6% YoY+3.9% QoQ
|
+$60.1M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Top 3.7% in tier |
| Loans |
$56.4M
+1.8% YoY+1.8% QoQ
|
+$41.1M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 2.6% in tier |
| Deposits |
$67.1M
+0.2% YoY+5.3% QoQ
|
+$41.3M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Top 8.1% in tier |
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| ROA |
0.5%
-88.8% YoY-63.4% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
45% |
| NIM |
6.3%
+29.8% YoY+10.7% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 2.8% in tier |
| Efficiency Ratio |
91.8%
+65.0% YoY+11.7% QoQ
|
+1.2% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
3.3%
-65.2% YoY-18.8% QoQ
|
+1.8 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.8% in tier |
| Loan To Share |
84.0%
+1.7% YoY-3.3% QoQ
|
+25.5% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 14.0% in tier |
| AMR |
$14,221
+6.8% YoY+5.0% QoQ
|
$-663 |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
51% |
| CD Concentration |
2.8%
+5.9% YoY-2.4% QoQ
|
-21.5% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)