BlastPoint's Credit Union Scorecard
THE FINEST
Charter #24862 · NY
THE FINEST has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.47% above tier average
- + Net Interest Margin 3.86% above tier average
- + Strong member growth: 21.0% YoY
- + Total Members: Top 0.4% in tier
- + Members Per Employee (MPE): Top 0.9% in tier
- + Member Growth Rate: Top 1.6% in tier
- + Loan-to-Share Ratio: Top 2.3% in tier
- + Asset Growth Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 5.4% in tier
- - Average Member Relationship (AMR): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,125
+21.0% YoY+5.0% QoQ
|
+9.5K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 0.5% in tier |
| Assets |
$34.5M
+14.8% YoY+0.9% QoQ
|
+$4.3M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$29.4M
+4.6% YoY-3.2% QoQ
|
+$13.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$27.9M
+11.2% YoY+7.7% QoQ
|
+$2.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
5.1%
+177.3% YoY-37.9% QoQ
|
+4.5% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 0.5% in tier |
| NIM |
7.8%
-3.1% YoY-2.1% QoQ
|
+3.9% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 0.5% in tier |
| Efficiency Ratio |
51.1%
-32.6% YoY+39.8% QoQ
|
-31.4% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 5.0% in tier |
| Delinquency Rate |
1.3%
-8.2% YoY-12.8% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
105.5%
-5.9% YoY-10.1% QoQ
|
+44.9% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 2.4% in tier |
| AMR |
$4,727
-10.9% YoY-3.0% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.2% in tier |
| CD Concentration |
26.5%
+13.1% YoY+19.6% QoQ
|
+2.0% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)