BlastPoint's Credit Union Scorecard
WESTERN DIVISION
Charter #24731 · NY
WESTERN DIVISION has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 1.28% above tier average
- + Net Interest Margin 0.12% above tier average
- + Efficiency Ratio: Top 3.6% in tier
- + Total Delinquency Rate (60+ days): Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,515
+4.0% YoY+0.9% QoQ
|
-3.6K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$225.6M
+7.1% YoY+3.2% QoQ
|
$-6.1M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$175.5M
+11.5% YoY+3.1% QoQ
|
+$31.4M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$193.1M
+6.8% YoY+3.3% QoQ
|
$-8.0M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
57% |
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| ROA |
2.0%
+35.8% YoY+80.1% QoQ
|
+1.3% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 3.6% in tier |
| NIM |
3.8%
+11.2% YoY+16.5% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
59% |
| Efficiency Ratio |
53.4%
-10.8% YoY-19.3% QoQ
|
-24.6% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
0.1%
-18.3% YoY+49.3% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 6.1% in tier |
| Loan To Share |
90.9%
+4.4% YoY-0.2% QoQ
|
+20.5% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 10.4% in tier |
| AMR |
$32,018
+4.8% YoY+2.3% QoQ
|
+$7K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 14.2% in tier |
| CD Concentration |
33.3%
+11.9% YoY+0.7% QoQ
|
+9.1% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)