BlastPoint's Credit Union Scorecard
THE FINEST
Charter #24862 · NY
THE FINEST has 12 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 7.52% above tier average
- + Net Interest Margin 4.05% above tier average
- + Strong member growth: 20.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.6% in tier
- + Loan-to-Share Ratio: Top 0.8% in tier
- + Member Growth Rate: Top 1.7% in tier
- + Efficiency Ratio: Top 1.8% in tier
- + Members Per Employee (MPE): Top 1.8% in tier
- + Fee Income Per Member: Top 1.8% in tier
- + Asset Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 4.5% in tier
- - AMR Growth Rate: Bottom 7.2% in tier
- - Average Member Relationship (AMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,553
+20.8% YoY+5.1% QoQ
|
+8.9K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Top 0.7% in tier |
| Assets |
$34.2M
+11.5% YoY+3.5% QoQ
|
+$4.3M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$30.4M
+8.5% YoY+1.4% QoQ
|
+$14.6M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
82% |
| Deposits |
$25.9M
+7.6% YoY-0.3% QoQ
|
+$426K |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
8.2%
+136.0% YoY+71.7% QoQ
|
+7.5% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 0.3% in tier |
| NIM |
8.0%
-0.8% YoY-0.5% QoQ
|
+4.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 0.5% in tier |
| Efficiency Ratio |
36.6%
-40.4% YoY-28.2% QoQ
|
-44.8% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
1.5%
-5.7% YoY+72.8% QoQ
|
-0.0 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
117.4%
+0.9% YoY+1.7% QoQ
|
+56.2% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 1.0% in tier |
| AMR |
$4,871
-10.5% YoY-4.2% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.9% in tier |
| CD Concentration |
22.1%
+0.2% YoY+5.4% QoQ
|
-2.3% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)