BlastPoint's Credit Union Scorecard

WESTERN DIVISION

Charter #24731 · NY

1077 CUs in 100M-500M nationally 52 in NY

WESTERN DIVISION has 15 strengths but faces 3 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 0.7% in tier
+ Organic Growth Leader: Top 5.6% in tier
+ Credit Quality Leader: Top 8.3% in tier
+ Emerging Performer: Top 11.0% in tier
+ Profitability Leader: Top 44.2% in tier
+ Relationship Depth Leader: Top 78.5% in tier
+ ROA 0.72% above tier average
+ Net Interest Margin 0.01% above tier average
+ Strong member growth: 5.3% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 2.5% in tier
+ Efficiency Ratio: Top 7.7% in tier
+ Member Growth Rate: Top 8.6% in tier
+ Loan Growth Rate: Top 9.6% in tier
+ Loan-to-Share Ratio: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 12.8% in tier
- Credit Risk Growth: Bottom 15.2% in tier
- Credit Quality Pressure: Bottom 25.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	11,328 +5.3% YoY+1.0% QoQ	-4.3K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	37%
Assets	$216.2M +4.1% YoY-0.0% QoQ	$-15.1M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	56%
Loans	$168.3M +12.5% YoY+2.5% QoQ	+$20.5M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	66%
Deposits	$179.8M +4.3% YoY-1.1% QoQ	$-20.5M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% +79.1% YoY+1.1% QoQ	+0.7%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	Top 12.0% in tier
NIM	3.6% +20.7% YoY+1.9% QoQ	+0.0%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	50%
Efficiency Ratio	59.2% -18.3% YoY-0.1% QoQ	-18.1%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	Bottom 7.7% in tier
Delinquency Rate	0.1% +163.3% YoY-58.3% QoQ	-0.8	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	Bottom 2.5% in tier
Loan To Share	93.6% +7.8% YoY+3.6% QoQ	+20.9%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	Top 9.7% in tier
AMR	$30,725 +2.6% YoY-0.4% QoQ	+$6K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	Top 14.8% in tier
CD Concentration	31.6% +10.9% YoY+3.1% QoQ	+7.2%	24.4% +4.2% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (6)

Organic Growth Engine

growth

#14 of 603 • Top 0.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.34%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.51%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#75 of 430 • Top 5.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.34%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Credit Quality Leader

growth

#29 of 340 • Top 8.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.05%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Emerging Performer

growth

#22 of 191 • Top 11.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.51%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 5.34%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank improving

Profitability Leader

growth

#151 of 340 • Top 44.2% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.51%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.67% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Relationship Depth Leader

growth

#202 of 257 • Top 78.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.61%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $1.8K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk

#100 of 258 • Bottom 12.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.58%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 12.46%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Credit Risk Growth

risk

#228 of 446 • Bottom 15.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 12.46%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#641 of 736 • Bottom 25.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Avg: -

#28 of 1077 Top 2.5% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.20%

Peer Avg: -

#84 of 1077 Top 7.7% in 100M-500M tier

Member Growth Rate

growth

Value: 5.34%

Peer Avg: -

#94 of 1077 Top 8.6% in 100M-500M tier

104

Loan Growth Rate

growth

Value: 12.46%

Peer Avg: -

#104 of 1077 Top 9.6% in 100M-500M tier

104

Loan-to-Share Ratio

balance_sheet

Value: 93.58%

Peer Avg: -

#104 of 1077 Top 9.6% in 100M-500M tier

114

Loan-to-Member Ratio (LMR)

engagement

Value: $14,853

Peer Avg: -

#114 of 1077 Top 10.5% in 100M-500M tier

129

Return on Assets (ROA)

profitability

Value: 1.51%

Peer Avg: -

#129 of 1077 Top 11.9% in 100M-500M tier

159

Average Member Relationship (AMR)

engagement

Value: $30,725

Peer Avg: -

#159 of 1077 Top 14.7% in 100M-500M tier

207

Net Worth Ratio

risk

Value: 14.32%

Peer Avg: -

#207 of 1077 Top 19.1% in 100M-500M tier

Top Weaknesses (2 metrics)

928

Fee Income Per Member

profitability

Value: $98.00

Peer Avg: -

#928 of 1077 Bottom 13.9% in 100M-500M tier

825

Share Certificate Concentration (%)

balance_sheet

Value: 31.64%

Peer Avg: -

#825 of 1077 Bottom 23.5% in 100M-500M tier