BlastPoint's Credit Union Scorecard
FIRST NEW YORK
Charter #2440 · NY
FIRST NEW YORK has 5 strengths but faces 4 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
- + Organic Growth Engine: Top 18.1% in tier
- + Organic Growth Leader: Top 18.5% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 0.53% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 17.0% in tier
- - Credit Quality Pressure: Bottom 23.4% in tier
- - Efficiency ratio 1.69% above tier (higher cost structure)
- - Total Assets: Bottom 2.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,763
+2.1% YoY+0.9% QoQ
|
-989 |
39,752
-2.7% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$504.5M
+3.3% YoY-3.9% QoQ
|
$-117.9M |
$622.4M
+0.3% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.8% in tier |
| Loans |
$395.3M
+9.4% YoY+2.7% QoQ
|
$-40.7M |
$435.9M
-0.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$452.7M
+2.7% YoY-4.2% QoQ
|
$-85.3M |
$538.0M
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+46.9% YoY-6.4% QoQ
|
+0.2% |
0.7%
+33.9% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
64% |
| NIM |
4.0%
+6.0% YoY+4.2% QoQ
|
+0.5% |
3.4%
+8.6% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 14.8% in tier |
| Efficiency Ratio |
79.8%
-3.2% YoY+2.4% QoQ
|
+1.7% |
78.1%
-3.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.7%
+8.3% YoY-8.2% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
87.3%
+6.6% YoY+7.2% QoQ
|
+6.3% |
81.0%
-1.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
62% |
| AMR |
$21,877
+3.5% YoY-2.0% QoQ
|
$-5K |
$26,482
+2.6% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration |
21.6%
+11.7% YoY+1.1% QoQ
|
-2.8% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
40% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)