BlastPoint's Credit Union Scorecard

FIRST NEW YORK

Charter #2440 · NY

Community 500M-750M
167 CUs in 500M-750M nationally 6 in NY
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FIRST NEW YORK has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 22.7% in tier
  • + Organic Growth Leader: Top 33.9% in tier
  • + Organic Growth Engine: Top 33.9% in tier
  • + Net Interest Margin 0.31% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 20.6% in tier
  • - ROA 0.23% below tier average
  • - Efficiency ratio 9.05% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 39,123
+1.6% YoY+0.6% QoQ
 +1.0K 38,079
-4.8% YoY
 27,572
+9.2% YoY
 33,913
+5.7% YoY
 58%
Assets $556.3M
+5.8% YoY+4.0% QoQ
 $-63.4M $619.7M
-0.2% YoY
 $497.6M
+8.1% YoY
 $578.3M
+9.0% YoY
 26%
Loans $418.6M
+11.9% YoY+0.7% QoQ
 $-713K $419.3M
-1.4% YoY
 $329.7M
+7.8% YoY
 $402.4M
+8.7% YoY
 48%
Deposits $504.0M
+5.7% YoY+5.0% QoQ
 $-35.4M $539.5M
-0.1% YoY
 $425.1M
+7.9% YoY
 $494.3M
+9.1% YoY
 34%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.5%
-59.8% YoY-40.5% QoQ
 -0.2% 0.7%
+36.0% YoY
 0.7%
-43.8% YoY
 0.4%
-39.2% YoY
 35%
NIM 3.8%
+1.8% YoY-5.7% QoQ
 +0.3% 3.5%
+4.5% YoY
 3.5%
-2.6% YoY
 3.8%
+4.1% YoY
 77%
Efficiency Ratio 87.4%
+15.8% YoY+8.2% QoQ
 +9.0% 78.4%
-3.7% YoY
 81.8%
+0.3% YoY
 84.6%
+2.8% YoY
 81%
Delinquency Rate 0.5%
-20.2% YoY-31.4% QoQ
 -0.2 0.7%
-0.9% YoY
 1.5%
-10.1% YoY
 1.2%
+3.4% YoY
 40%
Loan To Share 83.1%
+5.8% YoY-4.1% QoQ
 +5.4% 77.7%
-1.2% YoY
 58.9%
-2.1% YoY
 65.6%
-1.4% YoY
 58%
AMR $23,584
+6.8% YoY+2.4% QoQ
 $-3K $26,927
+3.1% YoY
 $19,395
-21.8% YoY
 $19,920
+1.6% YoY
 38%
CD Concentration 28.1%
+17.8% YoY+14.7% QoQ
 +3.9% 24.3% 16.4% 19.8% 65%
Indirect Auto % 0.0% -13.8% 13.8% 2.6% 7.7% Top 0.1% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#303 of 491 • Top 22.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.75%
(Tier: 3.74%, National: 6.36%)
better than tier avg
637 nationally
↑ Growing +107 CUs YoY | Rank improving

Organic Growth Leader

growth
#259 of 371 • Top 33.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.56%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.80%, National: 7.73%)
better than tier avg
518 nationally
→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth
#294 of 352 • Top 33.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.56%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.46%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.80%, National: 7.73%)
better than tier avg
499 nationally
→ No prior data (352 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk
#349 of 596 • Bottom 20.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 87.43%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.68% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 1.56%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
702 nationally
↓ Shrinking -84 CUs YoY | New qualifier

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)

Comparing against 167 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 10.91%
#1 of 167 Top 0.1% in 500M-750M tier
23
Loan Growth Rate
growth
Value: 11.86%
Peer Median: 4.25%
#23 of 167 Top 13.2% in 500M-750M tier
39
Net Interest Margin (NIM)
profitability
Value: 3.78%
Peer Median: 3.48%
#39 of 167 Top 22.8% in 500M-750M tier
40
AMR Growth Rate
growth
Value: 6.75%
Peer Median: 4.03%
#40 of 167 Top 23.4% in 500M-750M tier

Top Weaknesses (3 metrics)

137
Efficiency Ratio
profitability
Value: 87.43%
Peer Median: 78.61%
#137 of 167 Bottom 18.6% in 500M-750M tier
135
Members Per Employee (MPE)
engagement
Value: 257.388
Peer Median: 318.730
#135 of 167 Bottom 19.8% in 500M-750M tier
129
Fee Income Per Member
profitability
Value: $131.69
Peer Median: $178.80
#129 of 167 Bottom 23.4% in 500M-750M tier
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