BlastPoint's Credit Union Scorecard
ESL
Charter #24563 · NY
ESL has 5 strengths but faces 10 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 62.3% in tier
- + ROA 0.04% above tier average
- + Fee Income Per Member: Top 0.0% in tier
- + Net Worth Ratio: Top 6.1% in tier
- + First Mortgage Concentration (%): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 47.1% in tier
- - Credit Risk Growth: Bottom 93.3% in tier
- - Credit Quality Pressure: Bottom 100.0% in tier
- - Liquidity Overhang: Bottom 100.0% in tier
- - Efficiency ratio 1.38% above tier (higher cost structure)
- - Delinquency rate 0.30% above tier average
- - Total Deposits: Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.1% in tier
- - Total Loans: Bottom 9.1% in tier
- - Average Member Relationship (AMR): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
463,379
+2.2% YoY+0.3% QoQ
|
+17.5K |
445,922
+0.4% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$9.9B
+4.0% YoY-0.0% QoQ
|
+$961.9M |
$8.9B
+0.9% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
85% |
| Loans |
$4.3B
+3.1% YoY+0.9% QoQ
|
$-1.9B |
$6.3B
+0.8% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.1% in tier |
| Deposits |
$5.8B
+0.9% YoY+1.1% QoQ
|
$-1.7B |
$7.5B
+1.2% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.0% in tier |
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| ROA |
1.0%
+215.9% YoY-32.1% QoQ
|
+0.0% |
1.0%
+27.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
2.6%
+18.4% YoY-8.2% QoQ
|
-0.3% |
3.0%
+12.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
66.2%
-11.4% YoY+12.8% QoQ
|
+1.4% |
64.8%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.0%
+0.2% YoY+7.8% QoQ
|
+0.3 |
0.7%
+5.5% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
74.8%
+2.2% YoY-0.3% QoQ
|
-8.6% |
83.4%
-0.6% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$21,856
-0.4% YoY+0.7% QoQ
|
$-12K |
$34,266
-1.7% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.1% in tier |
| CD Concentration |
16.6%
-2.7% YoY-1.5% QoQ
|
-12.5% | 29.1% | 16.3% | 19.8% | Bottom 9.0% in tier |
| Indirect Auto % |
33.1%
-2.0% YoY-0.5% QoQ
|
+16.0% | 17.1% | 2.6% | 7.8% | Top 14.9% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)