BlastPoint's Credit Union Scorecard
I AM
Charter #24670 · NY
I AM has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.45% above tier average
- + Members Per Employee (MPE): Top 0.2% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.42% below tier average
- - Delinquency rate 3.49% above tier average
- - Member decline: -2.3% YoY
- - Average Member Relationship (AMR): Bottom 0.1% in tier
- - Net Charge-Off Rate: Bottom 0.3% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,139
-2.3% YoY-0.6% QoQ
|
-29 |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$103.2M
+7.1% YoY+0.7% QoQ
|
$-128.8M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.1% in tier |
| Loans |
$35.7M
-4.4% YoY-0.6% QoQ
|
$-110.5M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.8% in tier |
| Deposits |
$93.0M
+7.5% YoY+1.1% QoQ
|
$-107.7M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.2% in tier |
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| ROA |
0.4%
-70.5% YoY+56.9% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
4.1%
-0.2% YoY+1.2% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
71.6%
+6.7% YoY-2.6% QoQ
|
-5.1% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
4.4%
-3.8% YoY+40.0% QoQ
|
+3.5 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.8% in tier |
| Loan To Share |
38.4%
-11.1% YoY-1.7% QoQ
|
-33.1% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.9% in tier |
| AMR |
$8,505
+6.4% YoY+1.3% QoQ
|
$-17K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.1% in tier |
| CD Concentration |
14.6%
+66.7% YoY+6.1% QoQ
|
-9.9% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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)