BlastPoint's Credit Union Scorecard
N C P D
Charter #3850 · NY
N C P D has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 65.9% in tier
- + Average Member Relationship (AMR): Top 0.9% in tier
- + Net Worth Ratio: Top 4.5% in tier
- + Loan-to-Member Ratio (LMR): Top 7.2% in tier
- + Efficiency Ratio: Top 8.1% in tier
- + Net Charge-Off Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 8.5% in tier
- - Flatlined Growth: Bottom 72.3% in tier
- - ROA 0.10% below tier average
- - Net Interest Margin (NIM): Bottom 0.9% in tier
- - Total Members: Bottom 1.8% in tier
- - First Mortgage Concentration (%): Bottom 2.7% in tier
- - Total Loans: Bottom 3.6% in tier
- - Loan-to-Share Ratio: Bottom 4.5% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 5 that size in New York.
- Shares and deposits +2.4% year over year ($748M in shares and deposits).
- Membership: 16,390 members, -0.4% vs a year ago.
- Delinquency rate 0.29%.
- Return on assets 0.74%.
- Efficiency ratio 58.42% vs a 74.54% peer average.
- Loan-to-share ratio 44.33% vs a 82.60% 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 |
16,390
-0.4% YoY-0.0% QoQ
|
-36.1K |
52,482
+1.3% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 0.9% in tier |
| Assets |
$908.8M
+1.6% YoY-0.8% QoQ
|
+$44.9M |
$863.9M
+0.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$331.5M
-0.2% YoY+0.8% QoQ
|
$-276.3M |
$607.8M
+2.1% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.7% in tier |
| Deposits |
$747.9M
+2.4% YoY+0.4% QoQ
|
+$8.0M |
$739.9M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
0.7%
+12.1% YoY+11.1% QoQ
|
-0.1% |
0.8%
+30.4% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
1.7%
+5.2% YoY+4.8% QoQ
|
-1.8% |
3.5%
+6.2% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
58.4%
-3.9% YoY-4.6% QoQ
|
-16.1% |
74.5%
-1.4% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 8.1% in tier |
| Delinquency Rate |
0.3%
-31.7% YoY+218.7% QoQ
|
-0.5 |
0.8%
+1.0% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Top 14.4% in tier |
| Loan To Share |
44.3%
-2.5% YoY+0.5% QoQ
|
-38.3% |
82.6%
+1.9% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.6% in tier |
| AMR |
$65,858
+2.0% YoY+0.5% QoQ
|
+$37K |
$28,702
+0.4% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 1.8% in tier |
| CD Concentration |
26.5%
+11.0% YoY+3.7% QoQ
|
+1.9% | 24.6% | 16.4% | 20.0% | 58% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | Top 0.1% 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 (2)
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.
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)