BlastPoint's Credit Union Scorecard
SJP
Charter #3306 · NY
SJP has 10 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 21.3% in tier
- + Wallet Share Momentum: Top 40.8% in tier
- + Organic Growth Engine: Top 62.0% in tier
- + Organic Growth Leader: Top 84.7% in tier
- + Emerging Performer: Top 85.6% in tier
- + ROA 0.35% above tier average
- + Efficiency Ratio: Top 2.5% in tier
- + Loan-to-Member Ratio (LMR): Top 3.3% in tier
- + Average Member Relationship (AMR): Top 4.7% in tier
- + Members Per Employee (MPE): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 32.5% in tier
- - Credit Quality Pressure: Bottom 55.0% in tier
- - Liquidity Strain: Bottom 57.7% in tier
- - Delinquency rate 0.48% above tier average
- - Fee Income Per Member: Bottom 0.8% in tier
- - Share Certificate Concentration (%): Bottom 2.9% in tier
- - Net Interest Margin (NIM): Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,258
+1.0% YoY-0.3% QoQ
|
-8.2K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 12.5% in tier |
| Assets |
$184.0M
+10.0% YoY+2.8% QoQ
|
$-47.9M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$148.7M
+9.4% YoY+0.7% QoQ
|
+$1.4M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$161.0M
+9.9% YoY+2.6% QoQ
|
$-39.8M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
1.1%
+13.5% YoY+4.3% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
2.5%
+8.2% YoY+0.8% QoQ
|
-1.1% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.5% in tier |
| Efficiency Ratio |
52.3%
-3.4% YoY-5.1% QoQ
|
-24.7% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.5% in tier |
| Delinquency Rate |
1.4%
+15.1% YoY+2.3% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
92.4%
-0.5% YoY-1.8% QoQ
|
+20.2% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 10.6% in tier |
| AMR |
$42,668
+8.5% YoY+2.0% QoQ
|
+$18K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 4.8% in tier |
| CD Concentration |
46.8%
-17.0% YoY-2.9% QoQ
|
+22.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
2.5%
-18.2% YoY-6.4% QoQ
|
-11.3% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)