BlastPoint's Credit Union Scorecard
RADIUS
Charter #24715 · NY
RADIUS has 12 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.12% above tier average
- + Net Interest Margin 0.36% above tier average
- + Strong member growth: 54.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.4% in tier
- + Asset Growth Rate: Top 0.7% in tier
- + Deposit Growth Rate: Top 0.7% in tier
- + Total Loans: Top 4.1% in tier
- + Total Members: Top 4.2% in tier
- + Loan Growth Rate: Top 4.7% in tier
- + Total Deposits: Top 4.8% in tier
- + Total Assets: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.12% above tier average
- - AMR Growth Rate: Bottom 2.2% in tier
- - First Mortgage Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,764
+54.7% YoY-3.9% QoQ
|
+5.1K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 4.2% in tier |
| Assets |
$87.0M
+33.0% YoY-0.7% QoQ
|
+$56.9M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 5.0% in tier |
| Loans |
$52.9M
+17.4% YoY-1.7% QoQ
|
+$37.1M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 4.1% in tier |
| Deposits |
$75.4M
+33.7% YoY+1.1% QoQ
|
+$49.7M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 4.9% in tier |
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| ROA |
1.7%
+68.5% YoY-0.1% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 10.9% in tier |
| NIM |
4.3%
+10.9% YoY-8.7% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
65.9%
-10.3% YoY-4.0% QoQ
|
-16.7% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
1.7%
+4.0% YoY+20.2% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
70.1%
-12.2% YoY-2.8% QoQ
|
+9.5% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$16,518
-18.3% YoY+4.0% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
11.0%
-39.3% YoY-9.3% QoQ
|
-13.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)