BlastPoint's Credit Union Scorecard

GENERATIONS UNITED

Charter #24947 · NY

2556 CUs in <100M nationally 183 in NY

GENERATIONS UNITED has 12 strengths but faces 5 concerns

National Analysis

How does the industry compare?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.23% above tier average
  • + Strong member growth: 323.2% YoY
  • + Loan Growth Rate: Top 0.0% in tier
  • + AMR Growth Rate: Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Deposit Growth Rate: Top 0.0% in tier
  • + Member Growth Rate: Top 0.1% in tier
  • + Net Worth Ratio: Top 1.0% in tier
  • + Asset Growth Rate: Top 1.1% in tier
  • + Loan-to-Share Ratio: Top 5.2% in tier
  • + Net Charge-Off Rate: Top 8.1% in tier

Key Concerns

Areas that may need attention

  • - ROA 20.77% below tier average
  • - Efficiency ratio 471.81% above tier (higher cost structure)
  • - Delinquency rate 0.82% above tier average
  • - Members Per Employee (MPE): Bottom 0.0% in tier
  • - Total Members: Bottom 5.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 237
+323.2% YoY+4.4% QoQ
 -2.4K 2,615
-1.9% YoY
 26,134
+5.1% YoY
 33,374
+5.7% YoY
 Bottom 5.5% in tier
Assets $6.8M
+24.7% YoY+3.7% QoQ
 $-23.4M $30.1M
+2.1% YoY
 $482.3M
+7.4% YoY
 $561.6M
+9.7% YoY
 25%
Loans $1.9M
+472652.4% YoY+19.9% QoQ
 $-13.8M $15.8M
-1.3% YoY
 $324.6M
+7.8% YoY
 $397.0M
+8.8% YoY
 17%
Deposits $2.0M
+7017.2% YoY+30.6% QoQ
 $-23.7M $25.7M
+1.4% YoY
 $411.3M
+7.7% YoY
 $477.3M
+9.7% YoY
 Bottom 11.3% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA -20.2%
+116.6% YoY-5.4% QoQ
 -20.8% 0.6%
+10.8% YoY
 0.7%
+147.7% YoY
 0.7%
+15.9% YoY
 Bottom 0.1% in tier
NIM 4.2%
-10.1% YoY-5.7% QoQ
 +0.2% 4.0%
+4.0% YoY
 3.6%
+4.1% YoY
 3.8%
+5.1% YoY
 62%
Efficiency Ratio 554.4%
+82.6% YoY+2.1% QoQ
 +471.8% 82.6%
-2.3% YoY
 80.7%
-3.4% YoY
 79.7%
-3.3% YoY
 Top 0.3% in tier
Delinquency Rate 2.4%
+1641.1% QoQ
 +0.8 1.6%
-3.1% YoY
 1.6%
-19.7% YoY
 1.3%
-2.1% YoY
 82%
Loan To Share 97.4%
+6542.4% YoY-8.2% QoQ
 +36.8% 60.6%
-3.1% YoY
 60.4%
-2.5% YoY
 67.4%
-1.7% YoY
 Top 5.3% in tier
AMR $16,657
+3171.5% YoY+19.8% QoQ
 +$2K $14,783
-1.4% YoY
 $19,178
-21.9% YoY
 $19,687
+2.0% YoY
 65%
CD Concentration 19.5%
-65.9% YoY-20.2% QoQ
 -5.0% 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)

Comparing against 2556 peers in tier

Top Strengths (11 metrics)

1
Loan Growth Rate
growth
Value: 472652.43%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
AMR Growth Rate
growth
Value: 3171.48%
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
2
Deposit Growth Rate
growth
Value: 7017.15%
Peer Median: -
#2 of 2556 Top 0.0% in <100M tier
4
Member Growth Rate
growth
Value: 323.21%
Peer Median: -
#4 of 2556 Top 0.1% in <100M tier
26
Net Worth Ratio
risk
Value: 49.43%
Peer Median: -
#26 of 2556 Top 1.0% in <100M tier
29
Asset Growth Rate
growth
Value: 24.74%
Peer Median: -
#29 of 2556 Top 1.1% in <100M tier
134
Loan-to-Share Ratio
balance_sheet
Value: 97.39%
Peer Median: -
#134 of 2556 Top 5.2% in <100M tier
208
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: -
#208 of 2556 Top 8.1% in <100M tier

Top Weaknesses (8 metrics)

2556
Members Per Employee (MPE)
engagement
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2553
Return on Assets (ROA)
profitability
Value: -20.15%
Peer Median: -
#2553 of 2556 Bottom 0.2% in <100M tier
2549
Efficiency Ratio
profitability
Value: 554.37%
Peer Median: -
#2549 of 2556 Bottom 0.3% in <100M tier
2415
Total Members
engagement
Value: 237
Peer Median: -
#2415 of 2556 Bottom 5.6% in <100M tier
2267
Total Deposits
balance_sheet
Value: $2.00M
Peer Median: -
#2267 of 2556 Bottom 11.3% in <100M tier
2121
Total Loans
balance_sheet
Value: $1.95M
Peer Median: -
#2121 of 2556 Bottom 17.1% in <100M tier
2105
Total Delinquency Rate (60+ days)
risk
Value: 2.37%
Peer Median: -
#2105 of 2556 Bottom 17.7% in <100M tier
1924
Total Assets
balance_sheet
Value: $6.77M
Peer Median: -
#1924 of 2556 Bottom 24.8% in <100M tier
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