BlastPoint's Credit Union Scorecard
I AM
Charter #24670 ยท NY
2596 CUs in <100M nationally
188 in NY
I AM has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Net Interest Margin 0.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.1% in tier
- + Total Deposits: Top 0.7% in tier
- + Total Assets: Top 0.8% in tier
- + Members Per Employee (MPE): Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.58% above tier average
- - Net Charge-Off Rate: Bottom 5.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,398
+0.1% YoY-0.6% QoQ
|
+12.8K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Top 0.2% in tier |
| Assets |
$97.3M
+5.9% YoY+1.0% QoQ
|
+$67.4M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Top 0.8% in tier |
| Loans |
$36.9M
+2.3% YoY-1.4% QoQ
|
+$21.1M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 12.8% in tier |
| Deposits |
$86.8M
+4.5% YoY+0.3% QoQ
|
+$61.3M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Top 0.7% in tier |
| ROA |
1.2%
+93.9% YoY-21.4% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
4.2%
+7.1% YoY+0.6% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
70.0%
-11.4% YoY+4.4% QoQ
|
-11.4% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
31% |
| Delinquency Rate |
5.1%
+41.8% YoY+12.1% QoQ
|
+3.6 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 5.9% in tier |
| Loan To Share |
42.5%
-2.1% YoY-1.7% QoQ
|
-18.8% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$8,030
+3.8% YoY+0.4% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
10.1%
+104.8% YoY+15.3% QoQ
|
-14.3% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
4
Total Members
engagement
Value:
15,398
Peer Avg: 2,626
#4 of 2596
Top 0.1% in <100M tier
19
Total Deposits
balance_sheet
Value:
$86.78M
Peer Avg: $25.45M
#19 of 2596
Top 0.7% in <100M tier
22
Total Assets
balance_sheet
Value:
$97.26M
Peer Avg: $29.86M
#22 of 2596
Top 0.8% in <100M tier
92
Members Per Employee (MPE)
engagement
Value:
769.900
Peer Avg: 365.701
#92 of 2596
Top 3.5% in <100M tier
332
Total Loans
balance_sheet
Value:
$36.86M
Peer Avg: $15.77M
#332 of 2596
Top 12.8% in <100M tier
551
Asset Growth Rate
growth
Value:
5.87%
Peer Avg: 1.82%
#551 of 2596
Top 21.2% in <100M tier
Top Weaknesses (5 metrics)
2467
Net Charge-Off Rate
risk
Value:
2.22%
Peer Avg: 0.57%
#2467 of 2596
Bottom 5.0% in <100M tier
2444
Total Delinquency Rate (60+ days)
risk
Value:
5.09%
Peer Avg: 1.51%
#2444 of 2596
Bottom 5.9% in <100M tier
2156
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,394
Peer Avg: $5,488
#2156 of 2596
Bottom 17.0% in <100M tier
2088
Average Member Relationship (AMR)
engagement
Value:
$8,030
Peer Avg: $14,627
#2088 of 2596
Bottom 19.6% in <100M tier
2018
Loan-to-Share Ratio
balance_sheet
Value:
42.48%
Peer Avg: 61.23%
#2018 of 2596
Bottom 22.3% in <100M tier