BlastPoint's Credit Union Scorecard
NEIGHBORHOOD TRUST
Charter #24589 · NY
NEIGHBORHOOD TRUST has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.82% above tier average
- + Loan-to-Share Ratio: Top 0.7% in tier
- + AMR Growth Rate: Top 3.2% in tier
- + Fee Income Per Member: Top 3.5% in tier
- + Net Worth Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.87% below tier average
- - Efficiency ratio 22.03% above tier (higher cost structure)
- - Member decline: -10.5% YoY
- - First Mortgage Concentration (%): Bottom 1.0% in tier
- - Member Growth Rate: Bottom 5.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,911
-10.5% YoY+0.9% QoQ
|
+234 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$20.3M
+2.0% YoY-0.1% QoQ
|
$-9.9M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$15.2M
+8.4% YoY-1.6% QoQ
|
$-91K |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$13.1M
+7.0% YoY+1.5% QoQ
|
$-12.7M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
42% |
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| ROA |
-1.7%
-148.1% YoY-140.3% QoQ
|
-1.9% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.4% in tier |
| NIM |
4.8%
+6.0% YoY-3.1% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 14.6% in tier |
| Efficiency Ratio |
112.7%
+64.9% YoY+76.9% QoQ
|
+22.0% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate |
1.3%
+254.1% YoY-67.2% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
115.9%
+1.3% YoY-3.0% QoQ
|
+57.4% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 0.8% in tier |
| AMR |
$9,722
+20.4% YoY-1.2% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
27% |
| CD Concentration |
7.7%
+64.9% YoY-3.9% QoQ
|
-16.5% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)