BlastPoint's Credit Union Scorecard
SJP
Charter #3306 · NY
SJP has 8 strengths but faces 4 concerns
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
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 1.27% above tier average
- + Efficiency Ratio: Top 0.8% in tier
- + Loan-to-Member Ratio (LMR): Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Delinquency rate 0.31% above tier average
- - Fee Income Per Member: Bottom 1.3% in tier
- - Share Certificate Concentration (%): Bottom 3.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,258
+1.1% YoY0% QoQ
|
-7.9K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 13.2% in tier |
| Assets |
$186.0M
+9.0% YoY+1.1% QoQ
|
$-45.8M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$147.7M
+7.5% YoY-0.7% QoQ
|
+$3.5M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$162.4M
+8.7% YoY+0.9% QoQ
|
$-38.7M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
47% |
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| ROA |
2.0%
+130.1% YoY+79.8% QoQ
|
+1.3% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 3.8% in tier |
| NIM |
3.5%
+43.2% YoY+39.4% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
41.2%
-31.7% YoY-21.2% QoQ
|
-36.8% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 0.8% in tier |
| Delinquency Rate |
1.1%
-5.3% YoY-21.2% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
90.9%
-1.1% YoY-1.6% QoQ
|
+20.5% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 10.3% in tier |
| AMR |
$42,721
+7.0% YoY+0.1% QoQ
|
+$18K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 4.9% in tier |
| CD Concentration |
46.7%
-12.1% YoY-0.2% QoQ
|
+22.4% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % |
2.5%
-13.2% YoY-1.9% QoQ
|
-11.3% | 13.8% | 2.6% | 7.7% | 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.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
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)