BlastPoint's Credit Union Scorecard
NEIGHBORHOOD TRUST
Charter #24589 ยท NY
2596 CUs in <100M nationally
188 in NY
NEIGHBORHOOD TRUST has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.48% above tier average
- + Net Interest Margin 0.98% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.9% in tier
- + Loan-to-Share Ratio: Top 1.3% in tier
- + Net Worth Ratio: Top 8.4% in tier
- + AMR Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.73% above tier average
- - Member decline: -4.5% YoY
- - First Mortgage Concentration (%): Bottom 0.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,083
-4.5% YoY-3.3% QoQ
|
+457 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$20.2M
+6.8% YoY-1.1% QoQ
|
$-9.7M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$14.3M
+5.1% YoY-0.4% QoQ
|
$-1.4M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$12.7M
+5.3% YoY-0.3% QoQ
|
$-12.7M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
42% |
| ROA |
4.2%
+1133.6% YoY+8.0% QoQ
|
+3.5% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 1.1% in tier |
| NIM |
4.9%
+10.1% YoY-2.2% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
64.1%
-30.3% YoY-3.7% QoQ
|
-17.3% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
4.2%
+135.6% YoY-11.9% QoQ
|
+2.7 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 7.7% in tier |
| Loan To Share |
112.7%
-0.2% YoY-0.1% QoQ
|
+51.5% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 1.5% in tier |
| AMR |
$8,772
+10.1% YoY+3.0% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
23% |
| CD Concentration |
8.2%
+56.8% YoY+8.5% QoQ
|
-16.2% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
24
Fee Income Per Member
profitability
Value:
$478.36
Peer Avg: $182.96
#24 of 2596
Top 0.9% in <100M tier
28
Return on Assets (ROA)
profitability
Value:
4.17%
Peer Avg: 0.68%
#28 of 2596
Top 1.0% in <100M tier
35
Loan-to-Share Ratio
balance_sheet
Value:
112.71%
Peer Avg: 61.23%
#35 of 2596
Top 1.3% in <100M tier
219
Net Worth Ratio
risk
Value:
26.88%
Peer Avg: 16.43%
#219 of 2596
Top 8.4% in <100M tier
244
AMR Growth Rate
growth
Value:
10.13%
Peer Avg: 4.67%
#244 of 2596
Top 9.4% in <100M tier
422
Net Interest Margin (NIM)
profitability
Value:
4.91%
Peer Avg: 3.93%
#422 of 2596
Top 16.2% in <100M tier
453
Asset Growth Rate
growth
Value:
6.78%
Peer Avg: 1.82%
#453 of 2596
Top 17.4% in <100M tier
514
Efficiency Ratio
profitability
Value:
64.08%
Peer Avg: 81.39%
#514 of 2596
Top 19.8% in <100M tier
528
Loan Growth Rate
growth
Value:
5.10%
Peer Avg: 59.01%
#528 of 2596
Top 20.3% in <100M tier
Top Weaknesses (5 metrics)
2573
First Mortgage Concentration (%)
balance_sheet
Value:
84.41%
Peer Avg: 14.49%
#2573 of 2596
Bottom 0.9% in <100M tier
2398
Total Delinquency Rate (60+ days)
risk
Value:
4.24%
Peer Avg: 1.51%
#2398 of 2596
Bottom 7.7% in <100M tier
2074
Member Growth Rate
growth
Value:
-4.49%
Peer Avg: 14.92%
#2074 of 2596
Bottom 20.1% in <100M tier
2021
Net Charge-Off Rate
risk
Value:
0.69%
Peer Avg: 0.57%
#2021 of 2596
Bottom 22.2% in <100M tier
2001
Average Member Relationship (AMR)
engagement
Value:
$8,772
Peer Avg: $14,627
#2001 of 2596
Bottom 23.0% in <100M tier