BlastPoint's Credit Union Scorecard

N C P D

Charter #3850 · NY

Community 750M-1B

117 CUs in 750M-1B nationally 5 in NY

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N C P D has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 71.4% in tier
+ Average Member Relationship (AMR): Top 0.9% in tier
+ Total Delinquency Rate (60+ days): Top 1.7% in tier
+ Net Worth Ratio: Top 6.0% in tier
+ Loan-to-Member Ratio (LMR): Top 6.8% in tier
+ Members Per Employee (MPE): Top 9.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 8.7% in tier
- ROA 0.10% below tier average
- Net Interest Margin (NIM): Bottom 0.9% in tier
- Total Members: Bottom 1.7% 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
- Fee Income Per Member: Bottom 6.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	16,398 -0.5% YoY+0.4% QoQ	-35.1K	51,500 +0.7% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	Bottom 0.9% in tier
Assets	$916.0M +1.1% YoY+1.4% QoQ	+$50.4M	$865.6M +0.9% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	68%
Loans	$328.8M -0.4% YoY-1.5% QoQ	$-266.5M	$595.3M +1.6% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	Bottom 2.6% in tier
Deposits	$745.2M +1.1% YoY+1.5% QoQ	+$3.1M	$742.2M +0.6% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	52%

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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	0.7% +6.6% YoY-0.3% QoQ	-0.1%	0.8% +45.0% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	50%
NIM	1.6% +2.4% YoY+0.5% QoQ	-1.9%	3.5% +6.1% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Bottom 0.1% in tier
Efficiency Ratio	61.2% -2.1% YoY+1.1% QoQ	-14.3%	75.5% -3.4% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Top 12.8% in tier
Delinquency Rate	0.1% -35.5% YoY-69.7% QoQ	-0.6	0.7% -0.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Top 1.7% in tier
Loan To Share	44.1% -1.5% YoY-3.0% QoQ	-36.5%	80.6% +0.7% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	Bottom 3.4% in tier
AMR	$65,498 +1.1% YoY+0.2% QoQ	+$37K	$28,908 +0.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	Top 1.7% in tier
CD Concentration	25.6% +10.3% YoY-2.5% QoQ	+1.3%	24.3%	16.4%	19.8%	55%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#254 of 257 • Top 71.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.10%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $2.3K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (1)

Liquidity Overhang

risk

#69 of 126 • Bottom 8.7% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.24%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 44.12%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 284 Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | New qualifier

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 117 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.79%

#1 of 117 Top 0.1% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $65,498

Peer Median: $26,209

#2 of 117 Top 0.9% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: 0.56%

#3 of 117 Top 1.7% in 750M-1B tier

Net Worth Ratio

risk

Value: 16.24%

Peer Median: 10.69%

#8 of 117 Top 6.0% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,051

Peer Median: $11,598

#9 of 117 Top 6.8% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 482.294

Peer Median: 328.468

#12 of 117 Top 9.4% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.47%

#13 of 117 Top 10.3% in 750M-1B tier

Efficiency Ratio

profitability

Value: 61.22%

Peer Median: 77.38%

#16 of 117 Top 12.8% in 750M-1B tier

Top Weaknesses (9 metrics)

117

Net Interest Margin (NIM)

profitability

Value: 1.60%

Peer Median: 3.47%

#117 of 117 Bottom 0.9% in 750M-1B tier

116

Total Members

engagement

Value: 16,398

Peer Median: 51,712

#116 of 117 Bottom 1.7% in 750M-1B tier

114

Total Loans

balance_sheet

Value: $328.80M

Peer Median: $618.21M

#114 of 117 Bottom 3.4% in 750M-1B tier

114

First Mortgage Concentration (%)

balance_sheet

Value: 66.67%

Peer Median: 32.60%

#114 of 117 Bottom 3.4% in 750M-1B tier

113

Loan-to-Share Ratio

balance_sheet

Value: 44.12%

Peer Median: 84.41%

#113 of 117 Bottom 4.3% in 750M-1B tier

110

Fee Income Per Member

profitability

Value: $74.62

Peer Median: $187.56

#110 of 117 Bottom 6.8% in 750M-1B tier

Asset Growth Rate

growth

Value: 1.09%

Peer Median: 4.88%

#93 of 117 Bottom 21.4% in 750M-1B tier

Loan Growth Rate

growth

Value: -0.43%

Peer Median: 4.33%

#91 of 117 Bottom 23.1% in 750M-1B tier

Deposit Growth Rate

growth

Value: 1.12%

Peer Median: 4.60%

#91 of 117 Bottom 23.1% in 750M-1B tier