BlastPoint's Credit Union Scorecard
JOVIA FINANCIAL
Charter #2760 · NY
JOVIA FINANCIAL has 1 strength but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 0.0% in tier
- - Stagnation Risk: Bottom 45.2% in tier
- - Credit Quality Pressure: Bottom 58.1% in tier
- - Institutional Decline: Bottom 62.1% in tier
- - Membership Headwinds: Bottom 81.0% in tier
- - ROA 0.11% below tier average
- - Delinquency rate 0.46% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
237,358
-1.3% YoY-0.9% QoQ
|
+7.0K |
230,353
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$4.5B
-1.3% YoY+0.1% QoQ
|
+$536.9M |
$3.9B
+0.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$3.6B
-2.3% YoY-0.6% QoQ
|
+$664.0M |
$2.9B
-0.2% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 13.2% in tier |
| Deposits |
$4.0B
-0.9% YoY+0.6% QoQ
|
+$702.3M |
$3.3B
-0.3% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 7.9% in tier |
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| ROA |
0.6%
+91.9% YoY-5.2% QoQ
|
-0.1% |
0.7%
+16.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
3.0%
+14.5% YoY+2.0% QoQ
|
-0.1% |
3.1%
+9.8% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
66.6%
-9.4% YoY+0.3% QoQ
|
-4.8% |
71.4%
-1.4% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
1.3%
+8.1% YoY+9.5% QoQ
|
+0.5 |
0.9%
+5.8% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 13.2% in tier |
| Loan To Share |
89.7%
-1.5% YoY-1.2% QoQ
|
+0.8% |
88.9%
-0.2% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$32,071
-0.3% YoY+0.9% QoQ
|
+$2K |
$29,682
+1.5% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
42.7%
-0.2% YoY-1.3% QoQ
|
+13.7% | 29.0% | 16.3% | 19.8% | Top 8.5% in tier |
| Indirect Auto % |
9.1%
-22.4% YoY-7.5% QoQ
|
-9.2% | 18.3% | 2.6% | 7.8% | 35% |
Signature Analysis
Strengths (0)
Concerns (5)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)