BlastPoint's Credit Union Scorecard
URBAN UPBOUND
Charter #24823 · NY
URBAN UPBOUND faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 20.20% above tier (higher cost structure)
- - Delinquency rate 1.67% above tier average
- - Member decline: -2.2% YoY
- - Loan-to-Share Ratio: Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 1.8% in tier
- - Loan Growth Rate: Bottom 2.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,418
-2.2% YoY+4.0% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
39% |
| Assets |
$2.3M
-12.8% YoY-9.4% QoQ
|
$-27.8M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.6% in tier |
| Loans |
$114,793
-32.9% YoY+5.7% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.9% in tier |
| Deposits |
$2.0M
-14.0% YoY-10.4% QoQ
|
$-23.8M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.3% in tier |
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| ROA |
-0.4%
-64.2% YoY+115.8% QoQ
|
-0.6% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.8% in tier |
| NIM |
2.7%
+2.9% YoY+0.4% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 10.4% in tier |
| Efficiency Ratio |
110.8%
+66.9% YoY+78.2% QoQ
|
+20.2% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.2% in tier |
| Delinquency Rate |
3.2%
+2435.2% YoY-42.5% QoQ
|
+1.7 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.4% in tier |
| Loan To Share |
5.7%
-22.0% YoY+18.0% QoQ
|
-52.8% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.1% in tier |
| AMR |
$1,491
-13.4% YoY-13.1% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.8% in tier |
| CD Concentration |
6.6%
+17.2% YoY+15.0% QoQ
|
-17.6% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)