BlastPoint's Credit Union Scorecard

PEOPLE'S ALLIANCE

Charter #3633 · NY

1077 CUs in 100M-500M nationally 52 in NY

PEOPLE'S ALLIANCE has 3 strengths but faces 9 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

+ Wallet Share Momentum: Top 80.4% in tier
+ Net Interest Margin 0.26% above tier average
+ Total Members: Top 5.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 9.3% in tier
- Membership Headwinds: Bottom 18.8% in tier
- Credit Risk Growth: Bottom 25.5% in tier
- Credit Quality Pressure: Bottom 29.5% in tier
- Stagnation Risk: Bottom 31.8% in tier
- ROA 0.58% below tier average
- Efficiency ratio 9.18% above tier (higher cost structure)
- Member decline: -2.2% YoY
- Average Member Relationship (AMR): Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	32,596 -2.2% YoY+1.2% QoQ	+17.0K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	Top 5.3% in tier
Assets	$319.8M +1.5% YoY-0.6% QoQ	+$88.5M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	76%
Loans	$190.9M +6.5% YoY+9.4% QoQ	+$43.1M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	73%
Deposits	$282.7M +1.7% YoY-0.5% QoQ	+$82.4M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	78%

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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	0.2% -31.4% YoY+5.1% QoQ	-0.6%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	Bottom 14.1% in tier
NIM	3.8% +8.4% YoY+2.3% QoQ	+0.3%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	65%
Efficiency Ratio	86.5% +3.6% YoY+0.4% QoQ	+9.2%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	81%
Delinquency Rate	0.7% +0.3% YoY-20.6% QoQ	-0.1	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	55%
Loan To Share	67.6% +4.7% YoY+9.9% QoQ	-5.2%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	35%
AMR	$14,529 +5.9% YoY+2.1% QoQ	$-10K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	Bottom 8.3% in tier
CD Concentration	26.5% +14.1% YoY+4.0% QoQ	+2.1%	24.4% +4.2% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	11.9% -14.0% YoY-0.7% QoQ	-2.1%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#387 of 481 • Top 80.4% in tier

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

Why This Signature

AMR Growth (YoY): 5.86%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (5)

Efficiency Drag

risk

#165 of 521 • Bottom 9.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.46%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.10% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -2.16%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline

#310 of 550 • Bottom 18.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.16%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Risk Growth

risk

#383 of 446 • Bottom 25.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.45%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#731 of 736 • Bottom 29.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk

#525 of 550 • Bottom 31.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.16%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 6.45%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.74%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (4 metrics)

Total Members

engagement

Value: 32,596

Peer Avg: -

#57 of 1077 Top 5.2% in 100M-500M tier

236

Total Deposits

balance_sheet

Value: $282.66M

Peer Avg: -

#236 of 1077 Top 21.8% in 100M-500M tier

240

Members Per Employee (MPE)

engagement

Value: 388.048

Peer Avg: -

#240 of 1077 Top 22.2% in 100M-500M tier

255

Total Assets

balance_sheet

Value: $319.83M

Peer Avg: -

#255 of 1077 Top 23.6% in 100M-500M tier

Top Weaknesses (6 metrics)

988

Average Member Relationship (AMR)

engagement

Value: $14,529

Peer Avg: -

#988 of 1077 Bottom 8.4% in 100M-500M tier

965

Net Charge-Off Rate

risk

Value: 0.95%

Peer Avg: -

#965 of 1077 Bottom 10.5% in 100M-500M tier

941

Loan-to-Member Ratio (LMR)

engagement

Value: $5,858

Peer Avg: -

#941 of 1077 Bottom 12.7% in 100M-500M tier

925

Return on Assets (ROA)

profitability

Value: 0.21%

Peer Avg: -

#925 of 1077 Bottom 14.2% in 100M-500M tier

873

Efficiency Ratio

profitability

Value: 86.46%

Peer Avg: -

#873 of 1077 Bottom 19.0% in 100M-500M tier

813

Member Growth Rate

growth

Value: -2.16%

Peer Avg: -

#813 of 1077 Bottom 24.6% in 100M-500M tier