BlastPoint's Credit Union Scorecard
NEIGHBORHOOD TRUST
Charter #24589 · NY
NEIGHBORHOOD TRUST has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.67% above tier average
- + Net Interest Margin 1.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.6% in tier
- + Loan-to-Share Ratio: Top 0.7% in tier
- + AMR Growth Rate: Top 2.6% in tier
- + Net Worth Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.38% above tier average
- - Member decline: -10.7% YoY
- - First Mortgage Concentration (%): Bottom 1.1% in tier
- - Member Growth Rate: Bottom 4.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,884
-10.7% YoY-6.5% QoQ
|
+268 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$20.3M
+2.2% YoY+0.9% QoQ
|
$-9.8M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$15.4M
+7.3% YoY+7.8% QoQ
|
$-318K |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$12.9M
+6.6% YoY+1.6% QoQ
|
$-12.8M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
42% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
4.3%
+117.8% YoY+2.9% QoQ
|
+3.7% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 0.6% in tier |
| NIM |
5.0%
+12.5% YoY+1.5% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 14.9% in tier |
| Efficiency Ratio |
63.7%
-19.1% YoY-0.6% QoQ
|
-18.9% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
3.9%
+121.3% YoY-7.1% QoQ
|
+2.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 9.0% in tier |
| Loan To Share |
119.5%
+0.6% YoY+6.0% QoQ
|
+58.9% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 0.8% in tier |
| AMR |
$9,836
+19.8% YoY+12.1% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
8.0%
+59.0% YoY-2.1% QoQ
|
-16.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)