BlastPoint's Credit Union Scorecard
FIRST NEW YORK
Charter #2440 · NY
FIRST NEW YORK has 4 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 17.1% in tier
- + Organic Growth Leader: Top 27.1% in tier
- + Organic Growth Engine: Top 27.1% in tier
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 21.1% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 8.94% above tier (higher cost structure)
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in New York.
- Shares and deposits +10.2% year over year ($521M in shares and deposits).
- Membership: 39,264 members, +2.2% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 0.52%.
- Efficiency ratio 85.50% vs a 76.56% peer average.
- Loan-to-share ratio 81.47% vs a 79.33% 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 |
39,264
+2.2% YoY+0.4% QoQ
|
+1.4K |
37,897
-5.0% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
58% |
| Assets |
$574.0M
+9.4% YoY+3.2% QoQ
|
$-48.3M |
$622.4M
+0.6% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$424.5M
+10.3% YoY+1.4% QoQ
|
$-4.0M |
$428.5M
-0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$521.0M
+10.2% YoY+3.4% QoQ
|
$-18.8M |
$539.8M
+0.9% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
0.5%
-40.9% YoY+13.8% QoQ
|
-0.3% |
0.8%
+39.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
3.8%
-0.4% YoY+0.3% QoQ
|
+0.3% |
3.5%
+5.0% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
85.5%
+9.8% YoY-2.2% QoQ
|
+8.9% |
76.6%
-3.6% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
0.5%
-39.9% YoY-8.2% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
81.5%
+0.1% YoY-1.9% QoQ
|
+2.1% |
79.3%
-1.4% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$24,078
+7.8% YoY+2.1% QoQ
|
$-3K |
$27,294
+4.1% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
28.7%
+34.7% YoY+2.1% QoQ
|
+4.2% | 24.6% | 16.4% | 20.0% | 67% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)