BlastPoint's Credit Union Scorecard
EMPOWER
Charter #3025 · NY
EMPOWER has 3 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + 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 12.1% in tier
- - Credit Quality Pressure: Bottom 12.9% in tier
- - Indirect Auto Dependency: Bottom 27.2% in tier
- - Liquidity Strain: Bottom 36.7% in tier
- - Margin Compression: Bottom 38.3% 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 (0)
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)