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 0.84% above tier average
- + Loan-to-Share Ratio: Top 0.7% in tier
- + Fee Income Per Member: Top 1.1% in tier
- + AMR Growth Rate: Top 3.7% in tier
- + Net Worth Ratio: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.43% below tier average
- - Efficiency ratio 7.58% above tier (higher cost structure)
- - Member decline: -11.6% YoY
- - First Mortgage Concentration (%): Bottom 1.0% in tier
- - Member Growth Rate: Bottom 4.7% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,816
-11.6% YoY-3.3% QoQ
|
+230 |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$20.3M
-0.5% YoY-0.2% QoQ
|
$-10.0M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$15.2M
+5.6% YoY-0.0% QoQ
|
$-270K |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$13.1M
+2.9% YoY+0.0% QoQ
|
$-12.7M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
0.1%
-98.4% YoY-103.5% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.3% in tier |
| NIM |
4.7%
-5.5% YoY-1.8% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
83% |
| Efficiency Ratio |
96.3%
+44.8% YoY-14.5% QoQ
|
+7.6% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
83% |
| Delinquency Rate |
1.3%
-72.6% YoY+2.1% QoQ
|
-0.2 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
115.8%
+2.7% YoY-0.1% QoQ
|
+56.9% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 0.8% in tier |
| AMR |
$10,051
+18.1% YoY+3.4% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
9.9%
+30.1% YoY+27.5% QoQ
|
-14.7% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)