BlastPoint's Credit Union Scorecard
MAMTA
Charter #2800 · NY
MAMTA faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.19% above tier (higher cost structure)
- - Member decline: -4.4% YoY
- - Net Interest Margin (NIM): Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Loan-to-Share Ratio: Bottom 4.8% in tier
- - Asset Growth Rate: Bottom 5.5% in tier
- - Deposit Growth Rate: Bottom 5.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
869
-4.4% YoY-0.9% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$8.5M
-9.3% YoY+2.1% QoQ
|
$-21.7M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$1.3M
-13.0% YoY-7.8% QoQ
|
$-13.9M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.8% in tier |
| Deposits |
$7.0M
-11.0% YoY+2.4% QoQ
|
$-18.7M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
0.2%
+224.6% YoY
|
+0.0% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
2.1%
+25.6% YoY+3.6% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
90.8%
+8.4% YoY-2.4% QoQ
|
+0.2% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
1.2%
+28.9% YoY
|
-0.3 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
19.1%
-2.2% YoY-10.0% QoQ
|
-39.4% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.7% in tier |
| AMR |
$9,647
-7.2% YoY+1.6% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
14.3%
-10.5% YoY-3.8% QoQ
|
-10.0% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)