BlastPoint's Credit Union Scorecard
NEW YORK EPISCOPAL
Charter #24942 · NY
<100M
2508 CUs in <100M nationally
179 in NY
NEW YORK EPISCOPAL has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 48.33% above tier average
- + Strong member growth: 8.6% YoY
- + Fee Income Per Member: Top 0.1% in tier
- + Loan Growth Rate: Top 0.2% in tier
- + Asset Growth Rate: Top 0.3% in tier
- + Deposit Growth Rate: Top 0.4% in tier
- + AMR Growth Rate: Top 0.7% in tier
- + Efficiency Ratio: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.50% above tier average
- - Share Certificate Concentration (%): Bottom 2.4% in tier
- - Loan-to-Share Ratio: Bottom 2.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.9% in tier
- - Total Loans: Bottom 3.6% in tier
- - Average Member Relationship (AMR): Bottom 4.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.1% in tier
- - Net Interest Margin (NIM): Bottom 6.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
404
+8.6% YoY+2.0% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 11.1% in tier |
| Assets |
$1.3M
+57.3% YoY+107.9% QoQ
|
$-28.9M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.7% in tier |
| Loans |
$155,573
+157.3% YoY+3.8% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.6% in tier |
| Deposits |
$1.1M
+50.7% YoY+95.6% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.2% in tier |
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| ROA |
48.5%
+1388.5% YoY-1477.1% QoQ
|
+48.3% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 0.1% in tier |
| NIM |
2.4%
-11.4% YoY-38.0% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.6% in tier |
| Efficiency Ratio |
37.0%
-60.5% YoY-63.9% QoQ
|
-53.7% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 1.7% in tier |
| Delinquency Rate | 5.0% | +3.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.1% in tier |
| Loan To Share |
14.5%
+70.8% YoY-46.9% QoQ
|
-44.0% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.8% in tier |
| AMR |
$3,041
+46.4% YoY+72.4% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.6% in tier |
| CD Concentration |
54.4%
-26.4% YoY+5.7% QoQ
|
+30.1% | 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 (10 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
2
Return on Assets (ROA)
profitability
Value:
48.48%
Peer Median: 0.61%
#2 of 2508
Top 0.1% in <100M tier
2
Fee Income Per Member
profitability
Value:
$2,464
Peer Median: $60.42
#2 of 2508
Top 0.1% in <100M tier
6
Loan Growth Rate
growth
Value:
157.31%
Peer Median: -2.36%
#6 of 2508
Top 0.2% in <100M tier
8
Asset Growth Rate
growth
Value:
57.29%
Peer Median: 1.30%
#8 of 2508
Top 0.3% in <100M tier
11
Deposit Growth Rate
growth
Value:
50.67%
Peer Median: 0.66%
#11 of 2508
Top 0.4% in <100M tier
19
AMR Growth Rate
growth
Value:
46.42%
Peer Median: 1.27%
#19 of 2508
Top 0.7% in <100M tier
44
Efficiency Ratio
profitability
Value:
36.96%
Peer Median: 81.45%
#44 of 2508
Top 1.7% in <100M tier
102
Member Growth Rate
growth
Value:
8.60%
Peer Median: -1.37%
#102 of 2508
Top 4.0% in <100M tier
Top Weaknesses (10 metrics)
2450
Share Certificate Concentration (%)
balance_sheet
Value:
54.38%
Peer Median: 12.45%
#2450 of 2508
Bottom 2.4% in <100M tier
2436
Loan-to-Share Ratio
balance_sheet
Value:
14.50%
Peer Median: 58.72%
#2436 of 2508
Bottom 2.9% in <100M tier
2436
Loan-to-Member Ratio (LMR)
engagement
Value:
$385.08
Peer Median: $4,923
#2436 of 2508
Bottom 2.9% in <100M tier
2418
Total Loans
balance_sheet
Value:
$155,573
Peer Median: $9.48M
#2418 of 2508
Bottom 3.6% in <100M tier
2392
Average Member Relationship (AMR)
engagement
Value:
$3,041
Peer Median: $13,926
#2392 of 2508
Bottom 4.7% in <100M tier
2357
Total Delinquency Rate (60+ days)
risk
Value:
5.00%
Peer Median: 0.65%
#2357 of 2508
Bottom 6.1% in <100M tier
2343
Net Interest Margin (NIM)
profitability
Value:
2.40%
Peer Median: 3.83%
#2343 of 2508
Bottom 6.6% in <100M tier
2339
Total Assets
balance_sheet
Value:
$1.30M
Peer Median: $21.86M
#2339 of 2508
Bottom 6.8% in <100M tier
2328
Total Deposits
balance_sheet
Value:
$1.07M
Peer Median: $18.77M
#2328 of 2508
Bottom 7.2% in <100M tier
2229
Total Members
engagement
Value:
404
Peer Median: 1,918
#2229 of 2508
Bottom 11.2% in <100M tier