BlastPoint's Credit Union Scorecard

FIRST NEW YORK

Charter #2440 · NY

Community 500M-750M

165 CUs in 500M-750M nationally 7 in NY

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FIRST NEW YORK has 6 strengths but faces 4 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

+ Organic Growth Engine: Top 69.2% in tier
+ Organic Growth Leader: Top 74.6% in tier
+ Wallet Share Momentum: Top 81.2% in tier
+ ROA 0.11% above tier average
+ Net Interest Margin 0.56% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 27.2% in tier
- Credit Quality Pressure: Bottom 61.2% in tier
- Efficiency Drag: Bottom 67.6% in tier
- Efficiency ratio 3.28% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	38,878 +1.4% YoY+0.3% QoQ	+302	38,575 -4.8% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	56%
Assets	$535.0M +5.3% YoY+6.0% QoQ	$-86.7M	$621.7M +0.1% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	15%
Loans	$415.6M +12.2% YoY+5.1% QoQ	$-14.2M	$429.8M -1.8% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	44%
Deposits	$480.1M +3.7% YoY+6.0% QoQ	$-58.6M	$538.7M +0.6% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	19%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +29.5% YoY-6.7% QoQ	+0.1%	0.7% +42.9% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	59%
NIM	4.0% +5.9% YoY+1.2% QoQ	+0.6%	3.4% +8.0% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	Top 14.5% in tier
Efficiency Ratio	80.8% -1.8% YoY+1.3% QoQ	+3.3%	77.5% -4.1% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	66%
Delinquency Rate	0.8% +23.7% YoY+3.9% QoQ	-0.1	0.8% -1.1% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	54%
Loan To Share	86.6% +8.3% YoY-0.8% QoQ	+6.7%	79.8% -2.3% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	63%
AMR	$23,039 +6.0% YoY+5.3% QoQ	$-4K	$26,849 +2.7% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	33%
CD Concentration	24.5% +9.0% YoY+13.7% QoQ	+0.1%	24.4%	16.3%	19.8%	51%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#412 of 595 • Top 69.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.36%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.77%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#318 of 426 • Top 74.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.36%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Wallet Share Momentum

growth

#417 of 513 • Top 81.2% in tier

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

Why This Signature

AMR Growth (YoY): 6.04%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk

#125 of 456 • Bottom 27.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 12.25%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#432 of 705 • Bottom 61.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Efficiency Drag

risk

#364 of 538 • Bottom 67.6% in tier

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

Why This Signature

Efficiency Ratio: 80.79%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.17% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 1.36%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

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)

Compare against:

Comparing against 165 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 165 Top 0.0% in 500M-750M tier

Loan Growth Rate

growth

Value: 12.25%

Peer Median: -

#18 of 165 Top 10.3% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 4.01%

Peer Median: -

#24 of 165 Top 13.9% in 500M-750M tier

Top Weaknesses (3 metrics)

140

Total Assets

balance_sheet

Value: $534.97M

Peer Median: -

#140 of 165 Bottom 15.8% in 500M-750M tier

134

Members Per Employee (MPE)

engagement

Value: 254.105

Peer Median: -

#134 of 165 Bottom 19.4% in 500M-750M tier

133

Total Deposits

balance_sheet

Value: $480.08M

Peer Median: -

#133 of 165 Bottom 20.0% in 500M-750M tier