NEW YORK EPISCOPAL
Charter #24942 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
NEW YORK EPISCOPAL has 11 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Strong member growth: 20.6% 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
- + AMR Growth Rate: Top 0.0% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 0.3% in tier
- + Fee Income Per Member: Top 0.4% in tier
- + Member Growth Rate: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - ROA 6.42% below tier average
- - Efficiency ratio 25.70% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 2.0% in tier
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
- - Total Loans: Bottom 3.0% in tier
- - Total Assets: Bottom 3.5% in tier
- - Total Deposits: Bottom 4.0% in tier
- - Loan-to-Share Ratio: Bottom 5.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
387
+20.6% YoY+3.5% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 10.7% in tier |
| Assets |
$545,748
+59.8% YoY+2.6% QoQ
|
$-29.3M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.5% in tier |
| Loans |
$99,516
+893.2% YoY+21.8% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.0% in tier |
| Deposits |
$475,319
+323.9% YoY-1.4% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.9% in tier |
| ROA |
-5.7%
-95.1% YoY-44.5% QoQ
|
-6.4% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.9% in tier |
| NIM |
4.2%
-3.2% YoY+26.5% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
64th in tier |
| Efficiency Ratio |
107.1%
-87.1% YoY-9.3% QoQ
|
+25.7% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 7.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
20.9%
+134.3% YoY+23.5% QoQ
|
-40.3% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.8% in tier |
| AMR |
$1,485
+290.4% YoY-1.5% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.9% in tier |
| CD Concentration |
6.4%
+1.7% QoQ
|
-18.0% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
2
AMR Growth Rate
growth
Value:
290.35%
Peer Avg: 4.67%
#2 of 2596
Top 0.0% in <100M tier
3
Loan Growth Rate
growth
Value:
893.17%
Peer Avg: 59.01%
#3 of 2596
Top 0.1% in <100M tier
3
Deposit Growth Rate
growth
Value:
323.92%
Peer Avg: 16.80%
#3 of 2596
Top 0.1% in <100M tier
9
Asset Growth Rate
growth
Value:
59.81%
Peer Avg: 1.82%
#9 of 2596
Top 0.3% in <100M tier
12
Fee Income Per Member
profitability
Value:
$946.44
Peer Avg: $182.96
#12 of 2596
Top 0.4% in <100M tier
46
Member Growth Rate
growth
Value:
20.56%
Peer Avg: 14.92%
#46 of 2596
Top 1.7% in <100M tier
Top Weaknesses (11 metrics)
2573
Return on Assets (ROA)
profitability
Value:
-5.74%
Peer Avg: 0.68%
#2573 of 2596
Bottom 0.9% in <100M tier
2546
Average Member Relationship (AMR)
engagement
Value:
$1,485
Peer Avg: $14,627
#2546 of 2596
Bottom 2.0% in <100M tier
2544
Net Charge-Off Rate
risk
Value:
4.06%
Peer Avg: 0.57%
#2544 of 2596
Bottom 2.0% in <100M tier
2541
Loan-to-Member Ratio (LMR)
engagement
Value:
$257.15
Peer Avg: $5,488
#2541 of 2596
Bottom 2.2% in <100M tier
2518
Total Loans
balance_sheet
Value:
$99,516
Peer Avg: $15.77M
#2518 of 2596
Bottom 3.0% in <100M tier
2506
Total Assets
balance_sheet
Value:
$545,748
Peer Avg: $29.86M
#2506 of 2596
Bottom 3.5% in <100M tier
2494
Total Deposits
balance_sheet
Value:
$475,319
Peer Avg: $25.45M
#2494 of 2596
Bottom 4.0% in <100M tier
2468
Loan-to-Share Ratio
balance_sheet
Value:
20.94%
Peer Avg: 61.23%
#2468 of 2596
Bottom 5.0% in <100M tier
2412
Efficiency Ratio
profitability
Value:
107.09%
Peer Avg: 81.39%
#2412 of 2596
Bottom 7.1% in <100M tier
2317
Total Members
engagement
Value:
387
Peer Avg: 2,626
#2317 of 2596
Bottom 10.8% in <100M tier