BlastPoint's Credit Union Scorecard
RADIUS
Charter #24715 · NY
2596 CUs in <100M nationally
188 in NY
RADIUS has 12 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.06% above tier average
- + Net Interest Margin 0.79% above tier average
- + Strong member growth: 59.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.3% in tier
- + Asset Growth Rate: Top 0.7% in tier
- + Deposit Growth Rate: Top 0.8% in tier
- + Loan Growth Rate: Top 2.9% in tier
- + Total Members: Top 3.6% in tier
- + Total Loans: Top 3.9% in tier
- + Total Assets: Top 4.5% in tier
- + Total Deposits: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 2.0% in tier
- - First Mortgage Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,075
+59.7% YoY+62.7% QoQ
|
+5.4K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Top 3.6% in tier |
| Assets |
$87.6M
+34.1% YoY+33.7% QoQ
|
+$57.8M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Top 4.5% in tier |
| Loans |
$53.7M
+20.9% YoY+17.2% QoQ
|
+$38.0M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 3.9% in tier |
| Deposits |
$74.5M
+31.9% YoY+32.6% QoQ
|
+$49.1M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Top 4.9% in tier |
| ROA |
1.7%
+62.1% YoY+53.8% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 13.9% in tier |
| NIM |
4.7%
+22.5% YoY+13.1% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
68.6%
-4.4% YoY-5.3% QoQ
|
-12.8% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
1.4%
+0.6% YoY+55.3% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
72.1%
-8.4% YoY-11.7% QoQ
|
+10.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$15,888
-20.5% YoY-22.8% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
12.2%
-32.8% YoY-22.0% QoQ
|
-12.2% |
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 (13 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
10
Member Growth Rate
growth
Value:
59.74%
Peer Avg: 14.92%
#10 of 2596
Top 0.3% in <100M tier
18
Asset Growth Rate
growth
Value:
34.08%
Peer Avg: 1.82%
#18 of 2596
Top 0.7% in <100M tier
22
Deposit Growth Rate
growth
Value:
31.92%
Peer Avg: 16.80%
#22 of 2596
Top 0.8% in <100M tier
75
Loan Growth Rate
growth
Value:
20.86%
Peer Avg: 59.01%
#75 of 2596
Top 2.9% in <100M tier
94
Total Members
engagement
Value:
8,075
Peer Avg: 2,626
#94 of 2596
Top 3.6% in <100M tier
102
Total Loans
balance_sheet
Value:
$53.75M
Peer Avg: $15.77M
#102 of 2596
Top 3.9% in <100M tier
118
Total Assets
balance_sheet
Value:
$87.63M
Peer Avg: $29.86M
#118 of 2596
Top 4.5% in <100M tier
128
Total Deposits
balance_sheet
Value:
$74.55M
Peer Avg: $25.45M
#128 of 2596
Top 4.9% in <100M tier
301
Members Per Employee (MPE)
engagement
Value:
538.333
Peer Avg: 365.701
#301 of 2596
Top 11.6% in <100M tier
Top Weaknesses (2 metrics)
2545
AMR Growth Rate
growth
Value:
-20.47%
Peer Avg: 4.67%
#2545 of 2596
Bottom 2.0% in <100M tier
2365
First Mortgage Concentration (%)
balance_sheet
Value:
47.31%
Peer Avg: 14.49%
#2365 of 2596
Bottom 8.9% in <100M tier