BlastPoint's Credit Union Scorecard
ESL
Charter #24563 · NY
ESL has 7 strengths but faces 6 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
- + Emerging Performer: Top 20.8% in tier
- + ROA 0.46% above tier average
- + Strong member growth: 6.1% YoY
- + Net Worth Ratio: Top 4.2% in tier
- + Fee Income Per Member: Top 8.3% in tier
- + First Mortgage Concentration (%): Top 8.3% in tier
- + Share Certificate Concentration (%): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 20.8% in tier
- - Credit Quality Pressure: Bottom 45.8% in tier
- - Credit Risk Growth: Bottom 45.8% in tier
- - Total Deposits: Bottom 4.2% in tier
- - Total Loans: Bottom 4.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
485,309
+6.1% YoY+4.7% QoQ
|
-1.2M |
1,712,610
-8.0% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$10.6B
+12.3% YoY+7.5% QoQ
|
$-17.5B |
$28.2B
-3.2% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.5% in tier |
| Loans |
$4.5B
+8.0% YoY+4.5% QoQ
|
$-15.6B |
$20.2B
-4.4% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.1% in tier |
| Deposits |
$6.2B
+6.5% YoY+7.2% QoQ
|
$-17.9B |
$24.1B
-2.9% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.1% in tier |
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| ROA |
1.4%
+241.9% YoY+35.2% QoQ
|
+0.5% |
0.9%
+31.5% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
3.0%
+9.6% YoY+14.4% QoQ
|
-0.2% |
3.2%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
59.8%
-22.7% YoY-9.6% QoQ
|
-4.1% |
63.9%
-3.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
0.8%
+10.8% YoY-20.4% QoQ
|
-0.1 |
0.9%
-6.9% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
72.9%
+1.4% YoY-2.6% QoQ
|
-13.1% |
86.0%
-3.3% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$22,130
+1.0% YoY+1.3% QoQ
|
$-10K |
$32,099
+9.5% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.5% in tier |
| CD Concentration |
17.4%
+2.9% YoY+4.3% QoQ
|
-12.8% | 30.2% | 16.4% | 19.8% | Bottom 8.3% in tier |
| Indirect Auto % |
31.7%
-5.9% YoY-4.2% QoQ
|
+16.8% | 14.9% | 2.6% | 7.7% | 83% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)