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 0.5% 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 0.45% below tier average
- - Delinquency rate 2.35% above tier average
- - Net Charge-Off Rate: Bottom 0.1% in tier
- - Average Member Relationship (AMR): Bottom 0.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,233
-1.6% YoY-0.6% QoQ
|
+87 |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$102.4M
+8.2% YoY+1.8% QoQ
|
$-129.3M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.6% in tier |
| Loans |
$35.9M
-3.4% YoY-1.8% QoQ
|
$-108.2M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.0% in tier |
| Deposits |
$92.0M
+8.0% YoY+1.7% QoQ
|
$-109.2M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.3% in tier |
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| ROA |
0.3%
-88.3% YoY-68.2% QoQ
|
-0.4% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
21% |
| NIM |
4.1%
-0.3% YoY-0.3% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
73.5%
+18.6% YoY+7.7% QoQ
|
-4.5% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
32% |
| Delinquency Rate |
3.1%
-5.6% YoY-39.5% QoQ
|
+2.3 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.7% in tier |
| Loan To Share |
39.1%
-10.5% YoY-3.5% QoQ
|
-31.4% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.9% in tier |
| AMR |
$8,397
+6.2% YoY+1.3% QoQ
|
$-17K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.1% in tier |
| CD Concentration |
13.8%
+63.9% YoY-0.2% QoQ
|
-10.5% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)