BlastPoint's Credit Union Scorecard
THE FINEST
Charter #24862 · NY
<100M
2437 CUs in <100M nationally
176 in NY
THE FINEST has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.05% above tier average
- + Strong member growth: 16.1% YoY
- + Total Members: Top 0.5% in tier
- + Members Per Employee (MPE): Top 0.8% in tier
- + Member Growth Rate: Top 2.6% in tier
- + Loan-to-Share Ratio: Top 4.4% in tier
- + Asset Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Delinquency rate 0.62% above tier average
- - Net Charge-Off Rate: Bottom 3.0% in tier
- - AMR Growth Rate: Bottom 3.4% in tier
- - Average Member Relationship (AMR): Bottom 6.9% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,767
+16.1% YoY+3.7% QoQ
|
+10.2K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 0.5% in tier |
| Assets |
$36.0M
+9.1% YoY+0.7% QoQ
|
+$5.7M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$26.9M
-10.3% YoY-2.4% QoQ
|
+$11.4M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$27.7M
+6.8% YoY+0.3% QoQ
|
+$1.9M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
62% |
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| ROA |
1.2%
-75.6% YoY+8.0% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
6.9%
-13.5% YoY-1.8% QoQ
|
+3.0% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 1.1% in tier |
| Efficiency Ratio |
85.6%
+68.1% YoY-1.4% QoQ
|
-3.1% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
2.2%
+149.2% YoY+10.8% QoQ
|
+0.6 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
96.9%
-16.1% YoY-2.7% QoQ
|
+38.0% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 4.6% in tier |
| AMR |
$4,276
-15.9% YoY-4.6% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.9% in tier |
| CD Concentration |
29.3%
+39.6% YoY+1.9% QoQ
|
+4.7% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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 2437
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.59%
#1 of 2437
Top 0.1% in <100M tier
13
Total Members
engagement
Value:
12,767
Peer Median: 1,902
#13 of 2437
Top 0.5% in <100M tier
21
Members Per Employee (MPE)
engagement
Value:
1063.917
Peer Median: 328.333
#21 of 2437
Top 0.8% in <100M tier
27
Net Interest Margin (NIM)
profitability
Value:
6.94%
Peer Median: 3.87%
#27 of 2437
Top 1.1% in <100M tier
64
Member Growth Rate
growth
Value:
16.10%
Peer Median: -1.37%
#64 of 2437
Top 2.6% in <100M tier
109
Loan-to-Share Ratio
balance_sheet
Value:
96.89%
Peer Median: 58.67%
#109 of 2437
Top 4.4% in <100M tier
213
Asset Growth Rate
growth
Value:
9.12%
Peer Median: 1.25%
#213 of 2437
Top 8.7% in <100M tier
315
Net Worth Ratio
risk
Value:
23.97%
Peer Median: 14.28%
#315 of 2437
Top 12.9% in <100M tier
405
Deposit Growth Rate
growth
Value:
6.81%
Peer Median: 0.92%
#405 of 2437
Top 16.6% in <100M tier
Top Weaknesses (7 metrics)
2366
Net Charge-Off Rate
risk
Value:
3.37%
Peer Median: 0.18%
#2366 of 2437
Bottom 3.0% in <100M tier
2356
AMR Growth Rate
growth
Value:
-15.91%
Peer Median: 1.04%
#2356 of 2437
Bottom 3.4% in <100M tier
2269
Average Member Relationship (AMR)
engagement
Value:
$4,276
Peer Median: $13,967
#2269 of 2437
Bottom 6.9% in <100M tier
2082
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,104
Peer Median: $4,937
#2082 of 2437
Bottom 14.6% in <100M tier
1974
Share Certificate Concentration (%)
balance_sheet
Value:
29.30%
Peer Median: 12.77%
#1974 of 2437
Bottom 19.0% in <100M tier
1973
Total Delinquency Rate (60+ days)
risk
Value:
2.17%
Peer Median: 0.70%
#1973 of 2437
Bottom 19.1% in <100M tier
1900
Loan Growth Rate
growth
Value:
-10.33%
Peer Median: -2.63%
#1900 of 2437
Bottom 22.1% in <100M tier