BlastPoint's Credit Union Scorecard
RADIUS
Charter #24715 · NY
RADIUS has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.87% above tier average
- + Net Interest Margin 0.10% above tier average
- + Strong member growth: 51.5% YoY
- + Member Growth Rate: Top 0.5% in tier
- + Asset Growth Rate: Top 0.7% in tier
- + Deposit Growth Rate: Top 0.8% in tier
- + Total Members: Top 4.0% in tier
- + Total Loans: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 2.2% in tier
- - First Mortgage Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,550
+51.5% YoY-2.8% QoQ
|
+4.9K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 4.1% in tier |
| Assets |
$87.9M
+32.4% YoY+1.1% QoQ
|
+$57.8M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Top 4.6% in tier |
| Loans |
$51.4M
+13.4% YoY-2.8% QoQ
|
+$36.1M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 4.3% in tier |
| Deposits |
$76.3M
+33.2% YoY+1.2% QoQ
|
+$50.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Top 4.5% in tier |
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| ROA |
1.0%
+18.5% YoY-41.5% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
4.1%
-0.7% YoY-4.9% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
79.9%
+7.2% YoY+21.2% QoQ
|
-10.8% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate |
1.1%
+81.5% YoY-32.5% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
67.3%
-14.9% YoY-4.0% QoQ
|
+8.8% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
63% |
| AMR |
$16,911
-17.8% YoY+2.4% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
10.9%
-36.2% YoY-1.7% QoQ
|
-13.4% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)