BlastPoint's Credit Union Scorecard

SJP

Charter #3306 · NY

100M-500M

1024 CUs in 100M-500M nationally 55 in NY

SJP has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.39% above tier average
+ Efficiency Ratio: Top 2.9% in tier
+ Loan-to-Member Ratio (LMR): Top 3.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Fee Income Per Member: Bottom 0.9% in tier
- Share Certificate Concentration (%): Bottom 3.8% in tier
- Net Interest Margin (NIM): Bottom 5.2% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
Shares and deposits +6.3% year over year ($163M in shares and deposits).
Membership: 7,347 members, +1.5% vs a year ago.
Delinquency rate 0.93%.
Return on assets 1.26%.
Efficiency ratio 52.40% vs a 76.73% peer average.
Loan-to-share ratio 93.97% vs a 71.54% 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	7,347 +1.5% YoY+1.2% QoQ	-7.8K	15,168 -2.6% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	Bottom 14.0% in tier
Assets	$187.7M +7.0% YoY+0.9% QoQ	$-44.3M	$232.0M +0.7% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	46%
Loans	$153.4M +8.0% YoY+3.9% QoQ	+$7.1M	$146.3M +0.2% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	62%
Deposits	$163.2M +6.3% YoY+0.5% QoQ	$-37.5M	$200.7M +0.2% YoY	$431.4M +8.2% YoY	$504.8M +10.3% YoY	46%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% +12.3% YoY-37.1% QoQ	+0.4%	0.9% +12.5% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	78%
NIM	2.6% +4.0% YoY-26.2% QoQ	-1.1%	3.7% +4.5% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	Bottom 5.1% in tier
Efficiency Ratio	52.4% -4.8% YoY+27.0% QoQ	-24.3%	76.7% -0.8% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	Top 2.9% in tier
Delinquency Rate	0.9% -21.1% YoY-14.3% QoQ	+0.0	0.9% +6.6% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	65%
Loan To Share	94.0% +1.6% YoY+3.4% QoQ	+22.4%	71.5% -0.3% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	Top 7.4% in tier
AMR	$43,086 +5.5% YoY+0.9% QoQ	+$18K	$25,107 +3.2% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	Top 5.0% in tier
CD Concentration	45.1% -9.8% YoY-3.4% QoQ	+20.6%	24.6%	16.4%	20.0%	50%
Indirect Auto %	2.4% -7.9% YoY-2.5% QoQ	-11.2%	13.6%	2.7%	7.7%	50%

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#124 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.54%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $692.05

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Organic Growth Engine

growth

#200 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.48%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.26%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 2.41%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Emerging Performer

growth

#114 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.26%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 1.48%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Organic Growth Leader

growth

#252 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.48%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 2.41%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Wallet Share Momentum

growth

#436 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.54%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (1)

Liquidity Strain

risk

#113 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.97%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 7.99%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (9 metrics)

Efficiency Ratio

profitability

Value: 52.40%

Peer Median: 77.26%

#31 of 1024 Top 2.9% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,874

Peer Median: $9,434

#35 of 1024 Top 3.3% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $43,086

Peer Median: $23,006

#51 of 1024 Top 4.9% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.97%

Peer Median: 73.07%

#76 of 1024 Top 7.3% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.34%

#96 of 1024 Top 9.3% in 100M-500M tier

104

Members Per Employee (MPE)

engagement

Value: 459.188

Peer Median: 310.924

#104 of 1024 Top 10.1% in 100M-500M tier

220

Return on Assets (ROA)

profitability

Value: 1.26%

Peer Median: 0.75%

#220 of 1024 Top 21.4% in 100M-500M tier

239

Asset Growth Rate

growth

Value: 7.05%

Peer Median: 4.12%

#239 of 1024 Top 23.2% in 100M-500M tier

244

Loan Growth Rate

growth

Value: 7.99%

Peer Median: 3.02%

#244 of 1024 Top 23.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1016

Fee Income Per Member

profitability

Value: $20.44

Peer Median: $159.88

#1016 of 1024 Bottom 0.9% in 100M-500M tier

986

Share Certificate Concentration (%)

balance_sheet

Value: 45.14%

Peer Median: 23.39%

#986 of 1024 Bottom 3.8% in 100M-500M tier

972

Net Interest Margin (NIM)

profitability

Value: 2.62%

Peer Median: 3.67%

#972 of 1024 Bottom 5.2% in 100M-500M tier

881

Total Members

engagement

Value: 7,347

Peer Median: 13,128

#881 of 1024 Bottom 14.1% in 100M-500M tier