BlastPoint's Credit Union Scorecard
N C P D
Charter #3850 · NY
N C P D has 6 strengths but faces 11 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 97.8% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.9% in tier
- + Average Member Relationship (AMR): Top 0.9% in tier
- + Net Worth Ratio: Top 6.8% in tier
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 12.5% in tier
- - Liquidity Overhang: Bottom 52.2% in tier
- - Membership Headwinds: Bottom 94.8% in tier
- - Stagnation Risk: Bottom 94.8% in tier
- - ROA 0.08% below tier average
- - Net Interest Margin (NIM): Bottom 0.9% in tier
- - Total Members: Bottom 1.7% in tier
- - Fee Income Per Member: Bottom 3.4% in tier
- - Total Loans: Bottom 3.4% in tier
- - First Mortgage Concentration (%): Bottom 3.4% in tier
- - Loan-to-Share Ratio: Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,337
-0.7% YoY-0.5% QoQ
|
-35.7K |
52,084
-1.6% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 0.9% in tier |
| Assets |
$903.7M
+1.3% YoY+0.7% QoQ
|
+$39.8M |
$863.9M
+0.5% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$333.8M
+1.8% YoY+0.8% QoQ
|
$-272.1M |
$605.8M
+1.4% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.6% in tier |
| Deposits |
$734.1M
-0.1% YoY+0.4% QoQ
|
$-3.2M |
$737.3M
+0.1% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.7%
+35.3% YoY-0.5% QoQ
|
-0.1% |
0.7%
+39.1% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
1.6%
+14.7% YoY-1.5% QoQ
|
-1.8% |
3.4%
+8.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.0% in tier |
| Efficiency Ratio |
60.6%
-7.8% YoY-0.4% QoQ
|
-13.8% |
74.3%
-3.6% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate |
0.3%
-9.9% YoY+0.6% QoQ
|
-0.6 |
0.9%
+3.8% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.5% in tier |
| Loan To Share |
45.5%
+1.9% YoY+0.4% QoQ
|
-37.1% |
82.6%
+1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.4% in tier |
| AMR |
$65,365
+1.2% YoY+1.0% QoQ
|
+$36K |
$28,873
+2.7% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 1.7% in tier |
| CD Concentration |
26.2%
+14.0% YoY+4.2% QoQ
|
+1.8% | 24.4% | 16.3% | 19.8% | 56% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)