BlastPoint's Credit Union Scorecard
ELEKTRA
Charter #4127 · NY
2556 CUs in <100M nationally
183 in NY
ELEKTRA has 5 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
- + Total Members: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Delinquency rate 5.02% above tier average
- - Member decline: -3.0% YoY
- - Net Charge-Off Rate: Bottom 1.6% in tier
- - Loan-to-Share Ratio: Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.0% in tier
- - Average Member Relationship (AMR): Bottom 8.1% in tier
- - Net Interest Margin (NIM): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,801
-3.0% YoY-0.3% QoQ
|
+3.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 9.9% in tier |
| Assets |
$31.7M
-3.4% YoY+0.0% QoQ
|
+$1.6M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$2.6M
-3.9% YoY+4.1% QoQ
|
$-13.2M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$24.5M
-4.6% YoY-0.2% QoQ
|
$-1.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
0.3%
+17.3% YoY+144.2% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
2.5%
+9.3% YoY+6.0% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.8% in tier |
| Efficiency Ratio |
78.7%
-13.0% YoY-1.7% QoQ
|
-3.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
6.6%
-41.7% YoY-3.9% QoQ
|
+5.0 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 4.0% in tier |
| Loan To Share |
10.5%
+0.8% YoY+4.3% QoQ
|
-50.1% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.9% in tier |
| AMR |
$4,660
-1.6% YoY+0.5% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
4
Members Per Employee (MPE)
engagement
Value:
1933.667
Peer Median: -
#4 of 2556
Top 0.1% in <100M tier
254
Total Members
engagement
Value:
5,801
Peer Median: -
#254 of 2556
Top 9.9% in <100M tier
376
Net Worth Ratio
risk
Value:
22.81%
Peer Median: -
#376 of 2556
Top 14.7% in <100M tier
Top Weaknesses (10 metrics)
2517
Net Charge-Off Rate
risk
Value:
5.29%
Peer Median: -
#2517 of 2556
Bottom 1.6% in <100M tier
2506
Loan-to-Share Ratio
balance_sheet
Value:
10.50%
Peer Median: -
#2506 of 2556
Bottom 2.0% in <100M tier
2477
Loan-to-Member Ratio (LMR)
engagement
Value:
$442.74
Peer Median: -
#2477 of 2556
Bottom 3.1% in <100M tier
2455
Total Delinquency Rate (60+ days)
risk
Value:
6.57%
Peer Median: -
#2455 of 2556
Bottom 4.0% in <100M tier
2351
Average Member Relationship (AMR)
engagement
Value:
$4,660
Peer Median: -
#2351 of 2556
Bottom 8.1% in <100M tier
2331
Net Interest Margin (NIM)
profitability
Value:
2.55%
Peer Median: -
#2331 of 2556
Bottom 8.8% in <100M tier
2097
Fee Income Per Member
profitability
Value:
$10.08
Peer Median: -
#2097 of 2556
Bottom 18.0% in <100M tier
2067
Deposit Growth Rate
growth
Value:
-4.64%
Peer Median: -
#2067 of 2556
Bottom 19.2% in <100M tier
2052
Asset Growth Rate
growth
Value:
-3.37%
Peer Median: -
#2052 of 2556
Bottom 19.8% in <100M tier
2015
Total Loans
balance_sheet
Value:
$2.57M
Peer Median: -
#2015 of 2556
Bottom 21.2% in <100M tier