BlastPoint's Credit Union Scorecard
EMPOWER
Charter #3025 · NY
EMPOWER has 4 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 23.6% in tier
- + ROA 0.09% above tier average
- + Net Interest Margin 0.49% above tier average
- + Strong member growth: 7.6% YoY
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5.5% in tier
- - Credit Quality Pressure: Bottom 22.4% in tier
- - Liquidity Strain: Bottom 55.8% in tier
- - Margin Compression: Bottom 61.1% in tier
- - Indirect Auto Dependency: Bottom 71.3% in tier
- - Delinquency rate 0.13% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
303,010
+7.6% YoY+1.2% QoQ
|
+72.7K |
230,353
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 11.8% in tier |
| Assets |
$4.2B
+8.7% YoY+2.3% QoQ
|
+$227.8M |
$3.9B
+0.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$3.5B
+13.1% YoY+0.7% QoQ
|
+$535.7M |
$2.9B
-0.2% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$3.7B
+8.0% YoY+2.1% QoQ
|
+$428.1M |
$3.3B
-0.3% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
0.8%
-19.7% YoY-0.9% QoQ
|
+0.1% |
0.7%
+16.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
3.6%
+12.0% YoY+2.6% QoQ
|
+0.5% |
3.1%
+9.8% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
68.3%
-2.8% YoY-0.5% QoQ
|
-3.1% |
71.4%
-1.4% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
1.0%
+39.2% YoY+28.3% QoQ
|
+0.1 |
0.9%
+5.8% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
92.8%
+4.8% YoY-1.4% QoQ
|
+3.9% |
88.9%
-0.2% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$23,794
+2.6% YoY+0.3% QoQ
|
$-6K |
$29,682
+1.5% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
30.7%
+7.2% YoY+1.3% QoQ
|
+1.6% | 29.0% | 16.3% | 19.8% | 58% |
| Indirect Auto % |
21.3%
+3.7% YoY-0.9% QoQ
|
+3.0% | 18.3% | 2.6% | 7.8% | 62% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)