BlastPoint's Credit Union Scorecard
MAMTA
Charter #2800 · NY
MAMTA has 2 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Efficiency ratio 11.71% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Asset Growth Rate: Bottom 2.3% in tier
- - Deposit Growth Rate: Bottom 2.5% in tier
- - Net Interest Margin (NIM): Bottom 3.2% in tier
- - Loan-to-Share Ratio: Bottom 6.1% in tier
- - AMR Growth Rate: Bottom 6.7% in tier
- - Net Charge-Off Rate: Bottom 6.9% in tier
- - Fee Income Per Member: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
891
-3.3% YoY-0.9% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$8.3M
-13.7% YoY-6.9% QoQ
|
$-21.6M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$1.6M
-4.2% YoY+4.8% QoQ
|
$-14.2M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
15% |
| Deposits |
$6.9M
-15.9% YoY-8.3% QoQ
|
$-18.6M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
29% |
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| ROA |
-0.1%
-219.1% YoY-53.4% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.1% in tier |
| NIM |
1.9%
+30.8% YoY+7.4% QoQ
|
-2.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.2% in tier |
| Efficiency Ratio |
93.1%
-2.0% YoY+0.1% QoQ
|
+11.7% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.0%
-98.1% YoY-60.4% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.3% in tier |
| Loan To Share |
23.4%
+14.0% YoY+14.3% QoQ
|
-37.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.9% in tier |
| AMR |
$9,496
-11.0% YoY-5.2% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
16.2%
-14.0% YoY+6.9% QoQ
|
-8.2% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)