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 4.0% in tier
- + ROA 1.25% above tier average
- + Strong member growth: 5.7% YoY
- + Fee Income Per Member: Top 0.1% in tier
- + Net Worth Ratio: Top 4.0% in tier
- + First Mortgage Concentration (%): Top 8.0% in tier
- + Share Certificate Concentration (%): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 8.0% in tier
- - Indirect Auto Dependency: Bottom 28.0% in tier
- - Credit Risk Growth: Bottom 32.0% in tier
- - Credit Quality Pressure: Bottom 68.0% in tier
- - Total Deposits: Bottom 4.0% in tier
- - Total Loans: Bottom 4.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 25 credit unions with $10B+ in assets nationally, and 1 of 3 that size in New York.
- Shares and deposits +7.2% year over year ($6.25B in shares and deposits).
- Membership: 485,535 members, +5.7% vs a year ago.
- Delinquency rate 0.90%.
- Return on assets 2.28%.
- Efficiency ratio 49.85% vs a 61.57% peer average.
- Loan-to-share ratio 74.24% vs a 87.50% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
485,535
+5.7% YoY+0.0% QoQ
|
-1.2M |
1,671,910
-4.2% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$10.8B
+12.2% YoY+1.6% QoQ
|
$-16.9B |
$27.7B
+0.2% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$4.6B
+10.0% YoY+2.5% QoQ
|
$-15.4B |
$20.0B
-0.9% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.1% in tier |
| Deposits |
$6.2B
+7.2% YoY+0.6% QoQ
|
$-17.3B |
$23.5B
+0.4% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.1% in tier |
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| ROA |
2.3%
+90.9% YoY+67.5% QoQ
|
+1.3% |
1.0%
+45.0% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 4.0% in tier |
| NIM |
3.1%
+9.7% YoY+3.5% QoQ
|
-0.2% |
3.2%
+5.4% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
49.8%
-21.7% YoY-16.7% QoQ
|
-11.7% |
61.6%
-6.2% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 12.0% in tier |
| Delinquency Rate |
0.9%
+1.9% YoY+11.4% QoQ
|
-0.1 |
1.0%
-2.7% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
74.2%
+2.6% YoY+1.8% QoQ
|
-13.3% |
87.5%
-3.0% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$22,428
+2.5% YoY+1.3% QoQ
|
$-10K |
$32,850
+5.7% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.0% in tier |
| CD Concentration |
17.4%
+4.0% YoY-0.0% QoQ
|
-12.8% | 30.2% | 16.4% | 20.0% | Bottom 8.0% in tier |
| Indirect Auto % |
31.4%
-7.2% YoY-1.0% QoQ
|
+16.4% | 15.0% | 2.7% | 7.7% | Bottom 12.0% in tier |
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 (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)