BlastPoint's Credit Union Scorecard
NEW YORK EPISCOPAL
Charter #24942 · NY
2556 CUs in <100M nationally
183 in NY
NEW YORK EPISCOPAL has 9 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 10.3% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + Fee Income Per Member: Top 0.3% in tier
- + AMR Growth Rate: Top 0.7% in tier
- + Deposit Growth Rate: Top 1.0% in tier
- + Member Growth Rate: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 4.14% below tier average
- - Efficiency ratio 19.87% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 1.4% in tier
- - Average Member Relationship (AMR): Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.5% in tier
- - Share Certificate Concentration (%): Bottom 3.1% in tier
- - Total Loans: Bottom 3.7% in tier
- - Total Assets: Bottom 3.9% in tier
- - Total Deposits: Bottom 4.3% in tier
- - Loan-to-Share Ratio: Bottom 8.2% in tier
- - Net Worth Ratio: Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
396
+10.3% YoY+2.3% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 10.9% in tier |
| Assets |
$626,843
-27.8% YoY+14.9% QoQ
|
$-29.5M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.8% in tier |
| Loans |
$149,836
+897.1% YoY+50.6% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.7% in tier |
| Deposits |
$548,552
+29.7% YoY+15.4% QoQ
|
$-25.1M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.2% in tier |
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| ROA |
-3.5%
-95.7% YoY-38.6% QoQ
|
-4.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.6% in tier |
| NIM |
3.9%
+57.2% YoY-8.4% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
102.4%
-76.9% YoY-4.4% QoQ
|
+19.9% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 9.5% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
27.3%
+668.5% YoY+30.5% QoQ
|
-33.3% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.1% in tier |
| AMR |
$1,764
+44.6% YoY+18.7% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.3% in tier |
| CD Concentration |
51.4%
-20.9% YoY+708.0% QoQ
|
+27.0% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
4
Loan Growth Rate
growth
Value:
897.11%
Peer Median: -
#4 of 2556
Top 0.1% in <100M tier
9
Fee Income Per Member
profitability
Value:
$955.12
Peer Median: -
#9 of 2556
Top 0.3% in <100M tier
20
AMR Growth Rate
growth
Value:
44.62%
Peer Median: -
#20 of 2556
Top 0.7% in <100M tier
26
Deposit Growth Rate
growth
Value:
29.75%
Peer Median: -
#26 of 2556
Top 1.0% in <100M tier
70
Member Growth Rate
growth
Value:
10.31%
Peer Median: -
#70 of 2556
Top 2.7% in <100M tier
Top Weaknesses (13 metrics)
2538
Asset Growth Rate
growth
Value:
-27.82%
Peer Median: -
#2538 of 2556
Bottom 0.7% in <100M tier
2521
Net Charge-Off Rate
risk
Value:
6.07%
Peer Median: -
#2521 of 2556
Bottom 1.4% in <100M tier
2516
Return on Assets (ROA)
profitability
Value:
-3.52%
Peer Median: -
#2516 of 2556
Bottom 1.6% in <100M tier
2498
Average Member Relationship (AMR)
engagement
Value:
$1,764
Peer Median: -
#2498 of 2556
Bottom 2.3% in <100M tier
2493
Loan-to-Member Ratio (LMR)
engagement
Value:
$378.37
Peer Median: -
#2493 of 2556
Bottom 2.5% in <100M tier
2479
Share Certificate Concentration (%)
balance_sheet
Value:
51.43%
Peer Median: -
#2479 of 2556
Bottom 3.1% in <100M tier
2462
Total Loans
balance_sheet
Value:
$149,836
Peer Median: -
#2462 of 2556
Bottom 3.7% in <100M tier
2458
Total Assets
balance_sheet
Value:
$626,843
Peer Median: -
#2458 of 2556
Bottom 3.9% in <100M tier
2448
Total Deposits
balance_sheet
Value:
$548,552
Peer Median: -
#2448 of 2556
Bottom 4.3% in <100M tier
2348
Loan-to-Share Ratio
balance_sheet
Value:
27.31%
Peer Median: -
#2348 of 2556
Bottom 8.2% in <100M tier