BlastPoint's Credit Union Scorecard
EMPOWER
Charter #3025 · NY
EMPOWER has 3 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.45% above tier average
- + Strong member growth: 6.0% YoY
- + Total Members: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.8% in tier
- - Credit Risk Growth: Bottom 38.7% in tier
- - Liquidity Strain: Bottom 39.2% in tier
- - Indirect Auto Dependency: Bottom 47.6% in tier
- - ROA 0.13% below tier average
- - Delinquency rate 0.21% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 4 that size in New York.
- Shares and deposits +4.9% year over year ($3.88B in shares and deposits).
- Membership: 310,884 members, +6.0% vs a year ago.
- Delinquency rate 1.05%.
- Return on assets 0.80%.
- Efficiency ratio 66.63% vs a 69.45% peer average.
- Loan-to-share ratio 91.89% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
310,884
+6.0% YoY+1.0% QoQ
|
+94.3K |
216,545
-9.5% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 7.8% in tier |
| Assets |
$4.3B
+5.6% YoY+1.6% QoQ
|
+$435.4M |
$3.9B
-1.6% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$3.6B
+7.6% YoY+4.0% QoQ
|
+$638.8M |
$2.9B
-1.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 14.3% in tier |
| Deposits |
$3.9B
+4.9% YoY+1.3% QoQ
|
+$627.6M |
$3.3B
-2.6% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Top 13.0% in tier |
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| ROA |
0.8%
+0.8% YoY+3.6% QoQ
|
-0.1% |
0.9%
+25.3% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.7%
+8.0% YoY+3.8% QoQ
|
+0.4% |
3.2%
+3.8% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
66.6%
-6.3% YoY-0.8% QoQ
|
-2.8% |
69.5%
-2.3% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
42% |
| Delinquency Rate |
1.0%
+69.0% YoY+21.9% QoQ
|
+0.2 |
0.8%
+5.5% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
91.9%
+2.6% YoY+2.7% QoQ
|
+1.7% |
90.2%
+0.9% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$23,979
+0.2% YoY+1.6% QoQ
|
$-7K |
$31,018
+6.9% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
32.1%
+5.2% YoY-0.0% QoQ
|
+3.0% | 29.1% | 16.4% | 20.0% | 66% |
| Indirect Auto % |
20.1%
-6.3% YoY+1.7% QoQ
|
+2.0% | 18.1% | 2.7% | 7.7% | 61% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)