BlastPoint's Credit Union Scorecard

JOVIA FINANCIAL

Charter #2760 · NY

Mid-Market 3B-5B

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

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JOVIA FINANCIAL has 2 strengths but faces 8 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 41.9% in tier
+ Total Deposits: Top 1.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 57.0% in tier
- Credit Risk Growth: Bottom 79.8% in tier
- Flatlined Growth: Bottom 84.4% in tier
- Stagnation Risk: Bottom 87.1% in tier
- Membership Headwinds: Bottom 87.1% in tier
- ROA 0.19% below tier average
- Delinquency rate 0.44% above tier average
- Member decline: -2.3% YoY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 4 that size in New York.
Shares and deposits +2.3% year over year ($4.13B in shares and deposits).
Membership: 235,404 members, -2.3% vs a year ago.
Delinquency rate 1.28%.
Return on assets 0.74%.
Efficiency ratio 65.06% vs a 69.45% peer average.
Loan-to-share ratio 88.75% vs a 90.24% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	235,404 -2.3% YoY+1.1% QoQ	+18.9K	216,545 -9.5% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	64%
Assets	$4.6B +0.7% YoY+0.6% QoQ	+$661.4M	$3.9B -1.6% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	83%
Loans	$3.7B +0.7% YoY+1.6% QoQ	+$735.8M	$2.9B -1.2% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	Top 11.7% in tier
Deposits	$4.1B +2.3% YoY+0.6% QoQ	+$874.6M	$3.3B -2.6% YoY	$431.4M +8.2% YoY	$504.8M +10.3% YoY	Top 2.6% 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% +25.6% YoY+0.8% QoQ	-0.2%	0.9% +25.3% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	34%
NIM	3.1% +7.0% YoY+2.1% QoQ	-0.2%	3.2% +3.8% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	36%
Efficiency Ratio	65.1% -4.2% YoY-1.1% QoQ	-4.4%	69.5% -2.3% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	36%
Delinquency Rate	1.3% +0.7% YoY+3.9% QoQ	+0.4	0.8% +5.5% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	Bottom 14.3% in tier
Loan To Share	88.7% -1.6% YoY+1.0% QoQ	-1.5%	90.2% +0.9% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	35%
AMR	$33,129 +4.0% YoY+0.0% QoQ	+$2K	$31,018 +6.9% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	70%
CD Concentration	40.1% -4.8% YoY-2.8% QoQ	+11.0%	29.1%	16.4%	20.0%	Top 10.7% in tier
Indirect Auto %	7.6% -28.2% YoY-9.2% QoQ	-10.5%	18.1%	2.7%	7.7%	32%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#48 of 69 • Top 41.9% 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): 3.99%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $3.2K, National: $2.1K)

but worse than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | New qualifier

Concerns (5)

Flatlined Growth

risk

#4 of 12 • Bottom 84.4% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.66%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Return on Assets: 0.74%

(Tier: 0.84%, National: 1.23%)

worse than tier avg

12 of 377 Mid-Market CUs have this signature | 57 nationally

↓ Shrinking -6 CUs YoY

Stagnation Risk

risk

#27 of 86 • Bottom 87.1% 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): -2.33%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 0.73%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.28%

(Tier: 0.86%, National: 1.26%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Membership Headwinds

decline

#49 of 86 • Bottom 87.1% in tier

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

Why This Signature

Member Growth (YoY): -2.33%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#212 of 215 • Bottom 57.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Credit Risk Growth

risk

#170 of 170 • Bottom 79.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.73%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank worsening

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 77 peers in tier

Top Strengths (6 metrics)

Total Deposits

balance_sheet

Value: $4.13B

Peer Median: $3.34B

#2 of 77 Top 1.3% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.67B

Peer Median: $2.91B

#9 of 77 Top 10.4% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 20.85%

Peer Median: 32.92%

#12 of 77 Top 14.3% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.56B

Peer Median: $3.97B

#13 of 77 Top 15.6% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 7.60%

Peer Median: 18.00%

#19 of 77 Top 23.4% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 447.536

Peer Median: 390.144

#20 of 77 Top 24.7% in 3B-5B tier

Top Weaknesses (7 metrics)

Fee Income Per Member

profitability

Value: $108.85

Peer Median: $211.54

#68 of 77 Bottom 13.0% in 3B-5B tier

Member Growth Rate

growth

Value: -2.33%

Peer Median: 3.08%

#68 of 77 Bottom 13.0% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.28%

Peer Median: 0.63%

#67 of 77 Bottom 14.3% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 40.13%

Peer Median: 32.00%

#65 of 77 Bottom 16.9% in 3B-5B tier

Asset Growth Rate

growth

Value: 0.66%

Peer Median: 5.91%

#64 of 77 Bottom 18.2% in 3B-5B tier

Loan Growth Rate

growth

Value: 0.73%

Peer Median: 6.20%

#64 of 77 Bottom 18.2% in 3B-5B tier

Deposit Growth Rate

growth

Value: 2.32%

Peer Median: 5.62%

#59 of 77 Bottom 24.7% in 3B-5B tier