BlastPoint's Credit Union Scorecard
WESTERN DIVISION
Charter #24731 · NY
WESTERN DIVISION has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 5.9% in tier
- + Organic Growth Leader: Top 17.2% in tier
- + Emerging Performer: Top 26.5% in tier
- + Relationship Depth Leader: Top 74.5% in tier
- + ROA 0.35% above tier average
- + Strong member growth: 5.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 2.5% in tier
- + Member Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 63.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,410
+5.4% YoY+0.7% QoQ
|
-4.0K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$218.5M
+3.3% YoY+1.0% QoQ
|
$-13.4M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$170.3M
+12.1% YoY+1.2% QoQ
|
+$22.9M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$186.9M
+6.0% YoY+4.0% QoQ
|
$-13.9M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
1.1%
+94.5% YoY-25.9% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
3.2%
+18.8% YoY-10.3% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
66.2%
-16.3% YoY+11.8% QoQ
|
-10.8% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.1%
-52.5% YoY+20.0% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 2.5% in tier |
| Loan To Share |
91.1%
+5.8% YoY-2.7% QoQ
|
+18.9% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 12.2% in tier |
| AMR |
$31,306
+3.2% YoY+1.9% QoQ
|
+$7K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
85% |
| CD Concentration |
33.1%
+10.3% YoY+4.7% QoQ
|
+8.7% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)