BlastPoint's Credit Union Scorecard
ELEKTRA
Charter #4127 · NY
ELEKTRA has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.42% above tier average
- + Members Per Employee (MPE): Top 0.2% in tier
- + Net Charge-Off Rate: Top 1.4% in tier
- + Total Members: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.95% above tier average
- - Member decline: -2.7% YoY
- - Loan-to-Share Ratio: Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.4% in tier
- - Average Member Relationship (AMR): Bottom 8.3% in tier
- - Net Interest Margin (NIM): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,767
-2.7% YoY-0.6% QoQ
|
+3.1K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 9.9% in tier |
| Assets |
$31.8M
-1.2% YoY+0.3% QoQ
|
+$1.6M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
61% |
| Loans |
$2.6M
+0.7% YoY+1.7% QoQ
|
$-12.7M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$24.5M
-2.0% YoY+0.2% QoQ
|
$-1.3M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
58% |
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| ROA |
0.6%
+824.3% YoY+114.9% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
2.6%
+16.4% YoY+2.2% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.3% in tier |
| Efficiency Ratio |
78.6%
-19.3% YoY-0.2% QoQ
|
-12.1% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate |
7.4%
-35.5% YoY+13.4% QoQ
|
+5.9 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.3% in tier |
| Loan To Share |
10.7%
+2.7% YoY+1.5% QoQ
|
-47.9% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.0% in tier |
| AMR |
$4,704
+1.0% YoY+0.9% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.3% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)