BlastPoint's Credit Union Scorecard
FAR ROCKAWAY POSTAL
Charter #4246 · NY
<100M
2556 CUs in <100M nationally
183 in NY
FAR ROCKAWAY POSTAL has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 4.14% above tier average
- + AMR Growth Rate: Top 2.9% in tier
- + Net Worth Ratio: Top 6.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Deposit Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 5.64% below tier average
- - Efficiency ratio 75.76% above tier (higher cost structure)
- - Delinquency rate 24.67% above tier average
- - Member decline: -20.0% YoY
- - Total Members: Bottom 0.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
- - Total Deposits: Bottom 1.2% in tier
- - Total Assets: Bottom 1.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48
-20.0% YoY-15.8% QoQ
|
-2.6K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 0.2% in tier |
| Assets |
$224,485
-1.4% YoY-10.1% QoQ
|
$-29.9M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.3% in tier |
| Loans |
$94,606
-22.4% YoY-2.0% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.7% in tier |
| Deposits |
$158,596
+10.5% YoY-13.5% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.2% in tier |
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| ROA |
-5.0%
+53.4% YoY-14.4% QoQ
|
-5.6% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.1% in tier |
| NIM |
8.1%
-30.5% YoY-3.3% QoQ
|
+4.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 0.4% in tier |
| Efficiency Ratio |
158.3%
+67.8% YoY-5.6% QoQ
|
+75.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
26.2%
+334.2% YoY+44.5% QoQ
|
+24.7 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.9% in tier |
| Loan To Share |
59.7%
-29.8% YoY+13.3% QoQ
|
-1.0% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$5,275
+19.2% YoY+7.4% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.9% 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
10
Net Interest Margin (NIM)
profitability
Value:
8.09%
Peer Median: -
#10 of 2556
Top 0.4% in <100M tier
74
AMR Growth Rate
growth
Value:
19.21%
Peer Median: -
#74 of 2556
Top 2.9% in <100M tier
165
Net Worth Ratio
risk
Value:
29.35%
Peer Median: -
#165 of 2556
Top 6.4% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
233
Deposit Growth Rate
growth
Value:
10.46%
Peer Median: -
#233 of 2556
Top 9.1% in <100M tier
Top Weaknesses (12 metrics)
2550
Total Members
engagement
Value:
48
Peer Median: -
#2550 of 2556
Bottom 0.3% in <100M tier
2535
Total Delinquency Rate (60+ days)
risk
Value:
26.23%
Peer Median: -
#2535 of 2556
Bottom 0.9% in <100M tier
2529
Return on Assets (ROA)
profitability
Value:
-5.02%
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2526
Total Deposits
balance_sheet
Value:
$158,596
Peer Median: -
#2526 of 2556
Bottom 1.2% in <100M tier
2524
Total Assets
balance_sheet
Value:
$224,485
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2512
Efficiency Ratio
profitability
Value:
158.32%
Peer Median: -
#2512 of 2556
Bottom 1.8% in <100M tier
2511
Member Growth Rate
growth
Value:
-20.00%
Peer Median: -
#2511 of 2556
Bottom 1.8% in <100M tier
2487
Total Loans
balance_sheet
Value:
$94,606
Peer Median: -
#2487 of 2556
Bottom 2.7% in <100M tier
2463
Members Per Employee (MPE)
engagement
Value:
48.000
Peer Median: -
#2463 of 2556
Bottom 3.7% in <100M tier
2443
Loan Growth Rate
growth
Value:
-22.41%
Peer Median: -
#2443 of 2556
Bottom 4.5% in <100M tier