BlastPoint's Credit Union Scorecard
ELEKTRA
Charter #4127 · NY
2596 CUs in <100M nationally
188 in NY
ELEKTRA has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Delinquency rate 5.33% above tier average
- - Member decline: -3.4% YoY
- - Net Charge-Off Rate: Bottom 1.1% in tier
- - Loan-to-Share Ratio: Bottom 1.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.8% in tier
- - Net Interest Margin (NIM): Bottom 6.4% in tier
- - Average Member Relationship (AMR): Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,820
-3.4% YoY-1.3% QoQ
|
+3.2K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Top 10.2% in tier |
| Assets |
$31.7M
-5.7% YoY-2.6% QoQ
|
+$1.8M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$2.5M
-8.6% YoY-4.4% QoQ
|
$-13.3M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$24.5M
-7.4% YoY-3.0% QoQ
|
$-943K |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
59% |
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| ROA |
0.1%
-49.4% YoY-80.9% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
2.4%
+4.9% YoY+1.7% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.4% in tier |
| Efficiency Ratio |
80.1%
-11.8% YoY+1.7% QoQ
|
-1.3% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
6.8%
-17.7% YoY-40.5% QoQ
|
+5.3 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 3.8% in tier |
| Loan To Share |
10.1%
-1.4% YoY-1.4% QoQ
|
-51.2% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.7% in tier |
| AMR |
$4,635
-4.2% YoY-1.8% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
3
Members Per Employee (MPE)
engagement
Value:
1940.000
Peer Avg: -
#3 of 2596
Top 0.1% in <100M tier
264
Total Members
engagement
Value:
5,820
Peer Avg: -
#264 of 2596
Top 10.1% in <100M tier
387
Net Worth Ratio
risk
Value:
22.64%
Peer Avg: -
#387 of 2596
Top 14.9% in <100M tier
Top Weaknesses (12 metrics)
2569
Net Charge-Off Rate
risk
Value:
6.69%
Peer Avg: -
#2569 of 2596
Bottom 1.1% in <100M tier
2547
Loan-to-Share Ratio
balance_sheet
Value:
10.06%
Peer Avg: -
#2547 of 2596
Bottom 1.9% in <100M tier
2516
Loan-to-Member Ratio (LMR)
engagement
Value:
$423.78
Peer Avg: -
#2516 of 2596
Bottom 3.1% in <100M tier
2499
Total Delinquency Rate (60+ days)
risk
Value:
6.84%
Peer Avg: -
#2499 of 2596
Bottom 3.8% in <100M tier
2430
Net Interest Margin (NIM)
profitability
Value:
2.40%
Peer Avg: -
#2430 of 2596
Bottom 6.4% in <100M tier
2383
Average Member Relationship (AMR)
engagement
Value:
$4,635
Peer Avg: -
#2383 of 2596
Bottom 8.2% in <100M tier
2304
Deposit Growth Rate
growth
Value:
-7.38%
Peer Avg: -
#2304 of 2596
Bottom 11.3% in <100M tier
2273
Asset Growth Rate
growth
Value:
-5.68%
Peer Avg: -
#2273 of 2596
Bottom 12.5% in <100M tier
2087
AMR Growth Rate
growth
Value:
-4.22%
Peer Avg: -
#2087 of 2596
Bottom 19.6% in <100M tier
2076
Return on Assets (ROA)
profitability
Value:
0.11%
Peer Avg: -
#2076 of 2596
Bottom 20.1% in <100M tier