BlastPoint's Credit Union Scorecard
THE FINEST
Charter #24862 · NY
<100M
2508 CUs in <100M nationally
179 in NY
THE FINEST has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.93% above tier average
- + Net Interest Margin 3.06% above tier average
- + Strong member growth: 17.0% YoY
- + Total Members: Top 0.6% in tier
- + Members Per Employee (MPE): Top 1.2% in tier
- + Member Growth Rate: Top 2.0% in tier
- + Loan-to-Share Ratio: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.45% above tier average
- - AMR Growth Rate: Bottom 3.6% in tier
- - Net Charge-Off Rate: Bottom 4.8% in tier
- - Average Member Relationship (AMR): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,316
+17.0% YoY+1.6% QoQ
|
+9.6K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 0.6% in tier |
| Assets |
$35.8M
+8.2% YoY+3.8% QoQ
|
+$5.6M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$27.5M
-4.8% YoY-6.4% QoQ
|
+$12.3M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
80% |
| Deposits |
$27.6M
+5.9% YoY-0.8% QoQ
|
+$1.9M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
62% |
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| ROA |
1.1%
-85.3% YoY-78.8% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
7.1%
-15.5% YoY-9.5% QoQ
|
+3.1% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
86.8%
+118.3% YoY+69.8% QoQ
|
-3.8% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
2.0%
+57.9% YoY+49.2% QoQ
|
+0.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
99.6%
-10.1% YoY-5.6% QoQ
|
+41.1% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 3.3% in tier |
| AMR |
$4,481
-14.3% YoY-5.2% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.5% in tier |
| CD Concentration |
28.7%
+30.1% YoY+8.6% QoQ
|
+4.5% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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 (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
15
Total Members
engagement
Value:
12,316
Peer Median: 1,918
#15 of 2508
Top 0.6% in <100M tier
31
Net Interest Margin (NIM)
profitability
Value:
7.07%
Peer Median: 3.83%
#31 of 2508
Top 1.2% in <100M tier
32
Members Per Employee (MPE)
engagement
Value:
947.385
Peer Median: 333.750
#32 of 2508
Top 1.2% in <100M tier
51
Member Growth Rate
growth
Value:
16.99%
Peer Median: -1.37%
#51 of 2508
Top 2.0% in <100M tier
81
Loan-to-Share Ratio
balance_sheet
Value:
99.61%
Peer Median: 58.72%
#81 of 2508
Top 3.2% in <100M tier
275
Asset Growth Rate
growth
Value:
8.19%
Peer Median: 1.30%
#275 of 2508
Top 10.9% in <100M tier
317
Net Worth Ratio
risk
Value:
23.82%
Peer Median: 14.28%
#317 of 2508
Top 12.6% in <100M tier
489
Deposit Growth Rate
growth
Value:
5.87%
Peer Median: 0.66%
#489 of 2508
Top 19.5% in <100M tier
Top Weaknesses (6 metrics)
2419
AMR Growth Rate
growth
Value:
-14.30%
Peer Median: 1.27%
#2419 of 2508
Bottom 3.6% in <100M tier
2389
Net Charge-Off Rate
risk
Value:
2.55%
Peer Median: 0.07%
#2389 of 2508
Bottom 4.8% in <100M tier
2321
Average Member Relationship (AMR)
engagement
Value:
$4,481
Peer Median: $13,926
#2321 of 2508
Bottom 7.5% in <100M tier
2102
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,236
Peer Median: $4,923
#2102 of 2508
Bottom 16.2% in <100M tier
2029
Share Certificate Concentration (%)
balance_sheet
Value:
28.74%
Peer Median: 12.45%
#2029 of 2508
Bottom 19.1% in <100M tier
2024
Total Delinquency Rate (60+ days)
risk
Value:
1.96%
Peer Median: 0.65%
#2024 of 2508
Bottom 19.3% in <100M tier