BlastPoint's Credit Union Scorecard
I AM
Charter #24670 · NY
I AM has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 70.5% in tier
- + ROA 0.12% above tier average
- + Net Interest Margin 0.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.6% in tier
- - Stagnation Risk: Bottom 51.5% in tier
- - Membership Headwinds: Bottom 92.4% in tier
- - Institutional Decline: Bottom 99.6% in tier
- - Delinquency rate 4.27% above tier average
- - Average Member Relationship (AMR): Bottom 0.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.4% in tier
- - Total Assets: Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 0.8% in tier
- - Total Loans: Bottom 2.1% in tier
- - Total Deposits: Bottom 3.6% in tier
- - Loan-to-Share Ratio: Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,321
-0.8% YoY-0.5% QoQ
|
-116 |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$100.6M
+10.3% YoY+3.4% QoQ
|
$-131.3M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.5% in tier |
| Loans |
$36.6M
-0.9% YoY-0.7% QoQ
|
$-110.7M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.0% in tier |
| Deposits |
$90.4M
+8.7% YoY+4.2% QoQ
|
$-110.4M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.5% in tier |
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| ROA |
0.9%
+47.5% YoY-24.9% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
4.1%
+3.5% YoY-1.7% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
68.3%
-15.5% YoY-2.5% QoQ
|
-8.7% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
5.2%
+42.8% YoY+1.4% QoQ
|
+4.3 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 0.4% in tier |
| Loan To Share |
40.5%
-8.8% YoY-4.7% QoQ
|
-31.7% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.4% in tier |
| AMR |
$8,289
+6.6% YoY+3.2% QoQ
|
$-16K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.0% in tier |
| CD Concentration |
13.8%
+98.9% YoY+36.5% QoQ
|
-10.6% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)