BlastPoint's Credit Union Scorecard

JOVIA FINANCIAL

Charter #2760 · NY

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 4 in NY

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JOVIA FINANCIAL has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 44.2% in tier
+ Total Deposits: Top 3.8% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 4.2% in tier
- Stagnation Risk: Bottom 89.2% in tier
- Membership Headwinds: Bottom 89.2% in tier
- Delinquency rate 0.48% above tier average
- Member decline: -3.1% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	232,894 -3.1% YoY-1.9% QoQ	+12.5K	220,435 -7.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	60%
Assets	$4.5B +0.5% YoY+1.3% QoQ	+$619.9M	$3.9B -1.5% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	80%
Loans	$3.6B -1.0% YoY+0.2% QoQ	+$714.9M	$2.9B -1.1% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	Top 11.5% in tier
Deposits	$4.1B +1.8% YoY+2.3% QoQ	+$808.4M	$3.3B -2.5% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	Top 5.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +21.1% YoY+22.4% QoQ	+0.0%	0.7% +10.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	47%
NIM	3.0% +8.1% YoY+0.0% QoQ	-0.2%	3.2% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	35%
Efficiency Ratio	65.8% -3.1% YoY-1.2% QoQ	-5.5%	71.3% -2.6% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	33%
Delinquency Rate	1.2% -8.0% YoY-7.8% QoQ	+0.5	0.7% +9.2% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Bottom 12.8% in tier
Loan To Share	87.9% -2.8% YoY-2.0% QoQ	-0.1%	88.0% +0.9% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	41%
AMR	$33,124 +3.7% YoY+3.3% QoQ	+$2K	$30,672 +5.5% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	70%
CD Concentration	41.3% -2.3% YoY-3.4% QoQ	+12.4%	28.8%	16.4%	19.8%	Top 9.4% in tier
Indirect Auto %	8.4% -25.4% YoY-8.5% QoQ	-9.7%	18.1%	2.6%	7.7%	34%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#47 of 64 • Top 44.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.71%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $3.3K, National: $2.1K)

but worse than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | New qualifier

Concerns (3)

Stagnation Risk

risk

#14 of 91 • Bottom 89.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.10%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.99%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.23%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Membership Headwinds

decline

#42 of 91 • Bottom 89.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.10%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Institutional Decline

decline

#18 of 31 • Bottom 4.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $4.54B

(Tier: $2.16B, National: $578.34M)

but better than tier avg

Member Growth (YoY): -3.10%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.99%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

31 of 384 Mid-Market CUs have this signature | 289 nationally

→ No prior data (31 CUs now) | New qualifier

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)

Compare against:

Comparing against 78 peers in tier

Top Strengths (5 metrics)

Total Deposits

balance_sheet

Value: $4.11B

Peer Median: $3.34B

#4 of 78 Top 3.8% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.61B

Peer Median: $2.92B

#9 of 78 Top 10.3% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.54B

Peer Median: $3.94B

#16 of 78 Top 19.2% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 21.16%

Peer Median: 32.80%

#16 of 78 Top 19.2% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 8.37%

Peer Median: 18.10%

#19 of 78 Top 23.1% in 3B-5B tier

Top Weaknesses (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 1.23%

Peer Median: 0.54%

#69 of 78 Bottom 12.8% in 3B-5B tier

Member Growth Rate

growth

Value: -3.10%

Peer Median: 3.36%

#68 of 78 Bottom 14.1% in 3B-5B tier

Loan Growth Rate

growth

Value: -0.99%

Peer Median: 5.73%

#68 of 78 Bottom 14.1% in 3B-5B tier

Asset Growth Rate

growth

Value: 0.47%

Peer Median: 5.44%

#66 of 78 Bottom 16.7% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 41.27%

Peer Median: 31.76%

#66 of 78 Bottom 16.7% in 3B-5B tier

Fee Income Per Member

profitability

Value: $109.56

Peer Median: $175.66

#64 of 78 Bottom 19.2% in 3B-5B tier