BlastPoint's Credit Union Scorecard

ESL

Charter #24563 · NY

Large 7B-10B

30 CUs in 7B-10B nationally 4 in NY

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ESL has 7 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Large 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 16.9% in tier
+ Profitability Leader: Top 40.0% in tier
+ ROA 0.45% above tier average
+ Fee Income Per Member: Top 0.0% in tier
+ Total Assets: Top 3.3% in tier
+ Net Worth Ratio: Top 6.7% in tier
+ First Mortgage Concentration (%): Top 10.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 12.1% in tier
- Credit Quality Pressure: Bottom 15.6% in tier
- Credit Risk Growth: Bottom 22.7% in tier
- Shrinking Wallet Share: Bottom 25.0% in tier
- Liquidity Overhang: Bottom 66.7% in tier
- Delinquency rate 0.27% above tier average
- Total Deposits: Bottom 3.3% in tier
- Total Loans: Bottom 6.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	462,162 +2.6% YoY+0.7% QoQ	+2.9K	459,296 +3.8% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	50%
Assets	$9.9B +3.2% YoY+2.8% QoQ	+$975.0M	$8.9B +1.2% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	Top 6.7% in tier
Loans	$4.3B +2.8% YoY+1.9% QoQ	$-2.0B	$6.3B +2.9% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	Bottom 3.3% in tier
Deposits	$5.7B +0.8% YoY-1.8% QoQ	$-1.7B	$7.5B +2.3% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	Bottom 0.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% +69.7% YoY+24.2% QoQ	+0.5%	1.0% +22.1% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	83%
NIM	2.9% +15.1% YoY+1.0% QoQ	-0.2%	3.0% +11.5% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	37%
Efficiency Ratio	58.7% -8.7% YoY-7.9% QoQ	-5.1%	63.7% -2.2% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	27%
Delinquency Rate	0.9% +7.5% YoY+6.6% QoQ	+0.3	0.7% +10.8% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	77%
Loan To Share	75.0% +2.0% YoY+3.7% QoQ	-10.4%	85.4% +0.7% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	27%
AMR	$21,694 -0.9% YoY-0.9% QoQ	$-12K	$33,660 -2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	Bottom 10.0% in tier
CD Concentration	16.9% -4.2% YoY+1.3% QoQ	-12.0%	28.9% -1.3% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	Bottom 9.4% in tier
Indirect Auto %	33.3% -2.8% YoY-1.7% QoQ	+16.7%	16.6% -10.3% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	Top 12.5% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#26 of 50 • Top 16.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.56%

(Tier: 3.07%, National: 9.37%)

but worse than tier avg

Return on Assets: 1.48%

(Tier: 0.91%, National: 0.71%)

better than tier avg

Indirect Auto %: 33.28%

(Tier: 16.60%, National: 7.90%)

but worse than tier avg

50 of 64 Large CUs have this signature | 917 nationally

→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Profitability Leader

growth

#7 of 16 • Top 40.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.48%

(Tier: 0.91%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.61% points

(Tier: 0.13% points, National: 0.05% points)

better than tier avg

16 of 64 Large CUs have this signature | 457 nationally

→ Stable (15→16 CUs) +1 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#13 of 33 • Bottom 12.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.20%

(Tier: 4.60%, National: 3.04%)

worse than tier avg

Indirect Auto %: 33.28%

(Tier: 16.60%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 2.56%

(Tier: 3.07%, National: 9.37%)

worse than tier avg

33 of 64 Large CUs have this signature | 768 nationally

→ Stable (34→33 CUs) -1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#20 of 34 • Bottom 15.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

34 of 64 Large CUs have this signature | 1002 nationally

↓ Shrinking -17 CUs YoY

Credit Risk Growth

risk

#23 of 25 • Bottom 22.7% in tier

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

Why This Signature

Loan Growth (YoY): 2.85%

(Tier: 4.99%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

25 of 64 Large CUs have this signature | 646 nationally

↓ Shrinking -13 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#13 of 15 • Bottom 25.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.86%

(Tier: 2.82%, National: 4.19%)

worse than tier avg

15 of 64 Large CUs have this signature | 346 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Liquidity Overhang

risk

#3 of 4 • Bottom 66.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.76%

(Tier: 11.62%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 75.03%

(Tier: 84.48%, National: 67.96%)

worse than tier avg

4 of 64 Large CUs have this signature | 155 nationally

→ Stable (3→4 CUs) +1 CUs YoY

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 30 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $332.08

Peer Avg: -

#1 of 30 Top 0.0% in 7B-10B tier

Total Assets

balance_sheet

Value: $9.90B

Peer Avg: -

#2 of 30 Top 3.3% in 7B-10B tier

Net Worth Ratio

risk

Value: 16.76%

Peer Avg: -

#3 of 30 Top 6.7% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 20.92%

Peer Avg: -

#4 of 30 Top 10.0% in 7B-10B tier

Return on Assets (ROA)

profitability

Value: 1.48%

Peer Avg: -

#5 of 30 Top 13.3% in 7B-10B tier

Share Certificate Concentration (%)

balance_sheet

Value: 16.90%

Peer Avg: -

#5 of 30 Top 13.3% in 7B-10B tier

Top Weaknesses (8 metrics)

Total Deposits

balance_sheet

Value: $5.73B

Peer Avg: -

#30 of 30 Bottom 3.3% in 7B-10B tier

Total Loans

balance_sheet

Value: $4.30B

Peer Avg: -

#29 of 30 Bottom 6.7% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $9,299

Peer Avg: -

#28 of 30 Bottom 10.0% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $21,694

Peer Avg: -

#27 of 30 Bottom 13.3% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.97%

Peer Avg: -

#26 of 30 Bottom 16.7% in 7B-10B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 33.28%

Peer Avg: -

#26 of 30 Bottom 16.7% in 7B-10B tier

Deposit Growth Rate

growth

Value: 0.82%

Peer Avg: -

#25 of 30 Bottom 20.0% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.95%

Peer Avg: -

#24 of 30 Bottom 23.3% in 7B-10B tier