BlastPoint's Credit Union Scorecard
WHITE PLAINS P O EMPLOYEES
Charter #3110 · NY
2596 CUs in <100M nationally
188 in NY
WHITE PLAINS P O EMPLOYEES has 6 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 8.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.96% below tier average
- - Efficiency ratio 59.87% above tier (higher cost structure)
- - Member decline: -10.7% YoY
- - Total Members: Bottom 1.1% in tier
- - Loan-to-Share Ratio: Bottom 1.6% in tier
- - Total Loans: Bottom 2.2% in tier
- - Loan Growth Rate: Bottom 3.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.0% in tier
- - Total Assets: Bottom 4.9% in tier
- - Total Deposits: Bottom 5.0% in tier
- - Member Growth Rate: Bottom 5.2% in tier
- - Members Per Employee (MPE): Bottom 5.6% in tier
- - Fee Income Per Member: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
92
-10.7% YoY-1.1% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 1.0% in tier |
| Assets |
$853,472
-5.9% YoY+1.7% QoQ
|
$-29.0M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.9% in tier |
| Loans |
$51,900
-26.5% YoY+4.8% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.1% in tier |
| Deposits |
$618,999
-5.9% YoY+2.9% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.9% in tier |
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| ROA |
-1.3%
-1.2% YoY+23.0% QoQ
|
-2.0% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.6% in tier |
| NIM |
3.1%
-0.9% YoY+2.2% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
141.3%
-0.2% YoY+5.2% QoQ
|
+59.9% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.7% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
8.4%
-21.9% YoY+1.8% QoQ
|
-52.8% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.4% in tier |
| AMR |
$7,292
+3.1% YoY+4.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration | 0.0% | -24.4% |
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)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
222
Net Worth Ratio
risk
Value:
26.79%
Peer Avg: -
#222 of 2596
Top 8.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (16 metrics)
2569
Total Members
engagement
Value:
92
Peer Avg: -
#2569 of 2596
Bottom 1.1% in <100M tier
2555
Loan-to-Share Ratio
balance_sheet
Value:
8.38%
Peer Avg: -
#2555 of 2596
Bottom 1.6% in <100M tier
2541
Total Loans
balance_sheet
Value:
$51,900
Peer Avg: -
#2541 of 2596
Bottom 2.2% in <100M tier
2526
Efficiency Ratio
profitability
Value:
141.26%
Peer Avg: -
#2526 of 2596
Bottom 2.7% in <100M tier
2510
Loan Growth Rate
growth
Value:
-26.47%
Peer Avg: -
#2510 of 2596
Bottom 3.4% in <100M tier
2494
Loan-to-Member Ratio (LMR)
engagement
Value:
$564.13
Peer Avg: -
#2494 of 2596
Bottom 4.0% in <100M tier
2476
Return on Assets (ROA)
profitability
Value:
-1.28%
Peer Avg: -
#2476 of 2596
Bottom 4.7% in <100M tier
2470
Total Assets
balance_sheet
Value:
$853,472
Peer Avg: -
#2470 of 2596
Bottom 4.9% in <100M tier
2468
Total Deposits
balance_sheet
Value:
$618,999
Peer Avg: -
#2468 of 2596
Bottom 5.0% in <100M tier
2463
Member Growth Rate
growth
Value:
-10.68%
Peer Avg: -
#2463 of 2596
Bottom 5.2% in <100M tier