BlastPoint's Credit Union Scorecard
JOVIA FINANCIAL
Charter #2760 · NY
JOVIA FINANCIAL faces 5 concerns requiring attention
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 23.4% in tier
- - Credit Quality Pressure: Bottom 25.5% in tier
- - Liquidity Strain: Bottom 34.5% in tier
- - ROA 0.11% below tier average
- - Delinquency rate 0.37% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
239,440
+0.5% YoY-0.7% QoQ
|
+974 |
238,465
+0.6% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$4.5B
-2.6% YoY-1.3% QoQ
|
+$504.0M |
$4.0B
-0.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$3.6B
-1.2% YoY-0.5% QoQ
|
+$603.0M |
$3.0B
+3.3% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 14.5% in tier |
| Deposits |
$4.0B
-0.4% YoY-1.2% QoQ
|
+$656.3M |
$3.3B
+1.1% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Top 11.8% in tier |
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| ROA |
0.6%
+72.0% YoY+7.4% QoQ
|
-0.1% |
0.7%
+5.3% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
2.9%
+12.6% YoY+2.8% QoQ
|
-0.3% |
3.2%
+13.7% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
66.4%
-9.3% YoY-2.3% QoQ
|
-4.9% |
71.3%
-0.6% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
1.2%
+1.5% YoY-4.1% QoQ
|
+0.4 |
0.8%
+15.9% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
90.8%
-0.8% YoY+0.7% QoQ
|
-0.1% |
90.8%
+2.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$31,788
-1.2% YoY-0.2% QoQ
|
+$3K |
$29,088
+0.1% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
43.3%
-0.5% YoY+2.7% QoQ
|
+14.3% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
Top 7.1% in tier |
| Indirect Auto % |
9.9%
-19.5% YoY-6.6% QoQ
|
-8.9% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
34% |
Signature Analysis
Strengths (0)
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)