BlastPoint's Credit Union Scorecard
EMPOWER
Charter #3025 · NY
EMPOWER has 2 strengths but faces 4 concerns
How does the industry compare?
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.34% above tier average
- + Strong member growth: 7.3% YoY
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.5% in tier
- - Credit Risk Growth: Bottom 27.9% in tier
- - Indirect Auto Dependency: Bottom 38.4% in tier
- - Delinquency rate 0.11% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
307,868
+7.3% YoY+1.6% QoQ
|
+87.4K |
220,435
-7.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 11.5% in tier |
| Assets |
$4.3B
+6.4% YoY+2.5% QoQ
|
+$355.6M |
$3.9B
-1.5% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$3.4B
+9.1% YoY-1.1% QoQ
|
+$538.7M |
$2.9B
-1.1% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$3.8B
+5.7% YoY+2.6% QoQ
|
+$537.6M |
$3.3B
-2.5% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
85% |
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| ROA |
0.8%
-5.1% YoY-4.0% QoQ
|
+0.0% |
0.7%
+10.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
51% |
| NIM |
3.5%
+6.0% YoY-2.5% QoQ
|
+0.3% |
3.2%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
67.2%
-7.3% YoY-1.7% QoQ
|
-4.1% |
71.3%
-2.6% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
37% |
| Delinquency Rate |
0.9%
+69.4% YoY-14.5% QoQ
|
+0.1 |
0.7%
+9.2% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
89.5%
+3.1% YoY-3.6% QoQ
|
+1.5% |
88.0%
+0.9% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$23,605
-0.1% YoY-0.8% QoQ
|
$-7K |
$30,672
+5.5% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
32.1%
+8.1% YoY+4.8% QoQ
|
+3.3% | 28.8% | 16.4% | 19.8% | 66% |
| Indirect Auto % |
19.7%
-4.6% YoY-7.6% QoQ
|
+1.6% | 18.1% | 2.6% | 7.7% | 60% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
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)