BlastPoint's Credit Union Scorecard
RADIUS
Charter #24715 · NY
RADIUS has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Strong member growth: 50.3% YoY
- + Asset Growth Rate: Top 0.5% in tier
- + Deposit Growth Rate: Top 0.5% in tier
- + Member Growth Rate: Top 0.7% in tier
- + Total Members: Top 4.0% in tier
- + Total Deposits: Top 4.7% in tier
- + Total Assets: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Delinquency rate 0.95% above tier average
- - AMR Growth Rate: Bottom 2.7% in tier
- - First Mortgage Concentration (%): Bottom 8.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits +34.7% year over year ($75.7M in shares and deposits).
- Membership: 7,458 members, +50.3% vs a year ago.
- Delinquency rate 2.50%.
- Return on assets 1.13%.
- Efficiency ratio 77.64% vs a 88.77% peer average.
- Loan-to-share ratio 66.53% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,458
+50.3% YoY-1.2% QoQ
|
+4.9K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 4.1% in tier |
| Assets |
$87.2M
+33.1% YoY-0.8% QoQ
|
+$57.0M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Top 4.8% in tier |
| Loans |
$50.4M
+9.8% YoY-1.9% QoQ
|
+$34.9M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 4.9% in tier |
| Deposits |
$75.7M
+34.7% YoY-0.8% QoQ
|
+$49.9M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Top 4.7% in tier |
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| ROA |
1.1%
-0.0% YoY+11.2% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
4.2%
-0.3% YoY+1.5% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
77.6%
+7.1% YoY-2.8% QoQ
|
-11.1% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
2.5%
+178.1% YoY+120.8% QoQ
|
+0.9 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
66.5%
-18.5% YoY-1.1% QoQ
|
+7.6% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$16,911
-17.8% YoY+0.0% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
11.4%
-26.9% YoY+5.0% QoQ
|
-13.2% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)