BlastPoint's Credit Union Scorecard
URBAN UPBOUND
Charter #24823 · NY
2556 CUs in <100M nationally
183 in NY
URBAN UPBOUND has 5 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.8% in tier
- + AMR Growth Rate: Top 2.5% in tier
- + Asset Growth Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Delinquency rate 3.96% above tier average
- - Member decline: -2.4% YoY
- - Net Charge-Off Rate: Bottom 0.5% in tier
- - Loan-to-Share Ratio: Bottom 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.1% in tier
- - Average Member Relationship (AMR): Bottom 2.2% in tier
- - Total Loans: Bottom 2.9% in tier
- - Loan Growth Rate: Bottom 3.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
- - Net Worth Ratio: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,363
-2.4% YoY-9.9% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$2.6M
+13.7% YoY-3.8% QoQ
|
$-27.6M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.4% in tier |
| Loans |
$108,579
-24.7% YoY-13.8% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.9% in tier |
| Deposits |
$2.2M
+20.4% YoY-8.1% QoQ
|
$-23.5M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.4% in tier |
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| ROA |
-0.2%
-118.4% YoY-88.2% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.5% in tier |
| NIM |
2.6%
-24.5% YoY-1.0% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.4% in tier |
| Efficiency Ratio |
62.2%
+13.0% YoY+29.4% QoQ
|
-20.4% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.0% in tier |
| Delinquency Rate |
5.5%
-73.1% YoY-13.3% QoQ
|
+4.0 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 5.4% in tier |
| Loan To Share |
4.9%
-37.5% YoY-6.2% QoQ
|
-55.7% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.9% in tier |
| AMR |
$1,716
+20.0% YoY+1.7% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.1% in tier |
| CD Concentration |
5.8%
-18.8% YoY+7.5% QoQ
|
-18.7% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
46
Deposit Growth Rate
growth
Value:
20.37%
Peer Median: -
#46 of 2556
Top 1.8% in <100M tier
64
AMR Growth Rate
growth
Value:
20.03%
Peer Median: -
#64 of 2556
Top 2.5% in <100M tier
108
Asset Growth Rate
growth
Value:
13.71%
Peer Median: -
#108 of 2556
Top 4.2% in <100M tier
360
Efficiency Ratio
profitability
Value:
62.19%
Peer Median: -
#360 of 2556
Top 14.0% in <100M tier
Top Weaknesses (13 metrics)
2543
Net Charge-Off Rate
risk
Value:
35.06%
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2532
Loan-to-Share Ratio
balance_sheet
Value:
4.87%
Peer Median: -
#2532 of 2556
Bottom 1.0% in <100M tier
2530
Loan-to-Member Ratio (LMR)
engagement
Value:
$79.66
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2502
Average Member Relationship (AMR)
engagement
Value:
$1,716
Peer Median: -
#2502 of 2556
Bottom 2.2% in <100M tier
2482
Total Loans
balance_sheet
Value:
$108,579
Peer Median: -
#2482 of 2556
Bottom 2.9% in <100M tier
2467
Loan Growth Rate
growth
Value:
-24.74%
Peer Median: -
#2467 of 2556
Bottom 3.5% in <100M tier
2419
Total Delinquency Rate (60+ days)
risk
Value:
5.51%
Peer Median: -
#2419 of 2556
Bottom 5.4% in <100M tier
2370
Net Worth Ratio
risk
Value:
8.55%
Peer Median: -
#2370 of 2556
Bottom 7.3% in <100M tier
2290
Net Interest Margin (NIM)
profitability
Value:
2.64%
Peer Median: -
#2290 of 2556
Bottom 10.4% in <100M tier
2264
Total Assets
balance_sheet
Value:
$2.59M
Peer Median: -
#2264 of 2556
Bottom 11.5% in <100M tier