BlastPoint's Credit Union Scorecard
FAR ROCKAWAY POSTAL
Charter #4246 · NY
2596 CUs in <100M nationally
188 in NY
FAR ROCKAWAY POSTAL has 8 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 4.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.7% in tier
- + Asset Growth Rate: Top 8.1% in tier
- + Net Worth Ratio: Top 9.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 6.54% below tier average
- - Efficiency ratio 86.24% above tier (higher cost structure)
- - Delinquency rate 16.64% above tier average
- - Member decline: -5.0% YoY
- - Total Members: Bottom 0.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.4% in tier
- - Total Assets: Bottom 1.5% in tier
- - Total Deposits: Bottom 1.6% in tier
- - Total Loans: Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 4.0% in tier
- - Loan Growth Rate: Bottom 5.7% in tier
- - Average Member Relationship (AMR): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
57
-5.0% YoY-3.4% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 0.5% in tier |
| Assets |
$249,828
+10.2% YoY+8.3% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.4% in tier |
| Loans |
$96,561
-20.6% YoY-3.9% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.0% in tier |
| Deposits |
$183,445
+22.2% YoY+13.7% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.5% in tier |
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| ROA |
-5.9%
+49.3% YoY+29.0% QoQ
|
-6.5% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.8% in tier |
| NIM |
8.4%
-26.6% YoY-6.9% QoQ
|
+4.4% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 0.3% in tier |
| Efficiency Ratio |
167.6%
+82.4% YoY+12.4% QoQ
|
+86.2% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.0% in tier |
| Delinquency Rate |
18.1%
+199.7% YoY-4.7% QoQ
|
+16.6 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 1.4% in tier |
| Loan To Share |
52.6%
-35.0% YoY-15.5% QoQ
|
-8.6% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$4,912
+8.5% YoY+10.7% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.0% 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 (9 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
9
Net Interest Margin (NIM)
profitability
Value:
8.37%
Peer Avg: -
#9 of 2596
Top 0.3% in <100M tier
45
Deposit Growth Rate
growth
Value:
22.21%
Peer Avg: -
#45 of 2596
Top 1.7% in <100M tier
212
Asset Growth Rate
growth
Value:
10.20%
Peer Avg: -
#212 of 2596
Top 8.1% in <100M tier
234
Net Worth Ratio
risk
Value:
26.57%
Peer Avg: -
#234 of 2596
Top 9.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
330
AMR Growth Rate
growth
Value:
8.48%
Peer Avg: -
#330 of 2596
Top 12.7% in <100M tier
Top Weaknesses (13 metrics)
2584
Total Members
engagement
Value:
57
Peer Avg: -
#2584 of 2596
Bottom 0.5% in <100M tier
2574
Return on Assets (ROA)
profitability
Value:
-5.86%
Peer Avg: -
#2574 of 2596
Bottom 0.9% in <100M tier
2561
Total Delinquency Rate (60+ days)
risk
Value:
18.15%
Peer Avg: -
#2561 of 2596
Bottom 1.4% in <100M tier
2559
Total Assets
balance_sheet
Value:
$249,828
Peer Avg: -
#2559 of 2596
Bottom 1.5% in <100M tier
2556
Total Deposits
balance_sheet
Value:
$183,445
Peer Avg: -
#2556 of 2596
Bottom 1.6% in <100M tier
2544
Efficiency Ratio
profitability
Value:
167.64%
Peer Avg: -
#2544 of 2596
Bottom 2.0% in <100M tier
2519
Total Loans
balance_sheet
Value:
$96,561
Peer Avg: -
#2519 of 2596
Bottom 3.0% in <100M tier
2493
Members Per Employee (MPE)
engagement
Value:
57.000
Peer Avg: -
#2493 of 2596
Bottom 4.0% in <100M tier
2450
Loan Growth Rate
growth
Value:
-20.60%
Peer Avg: -
#2450 of 2596
Bottom 5.7% in <100M tier
2362
Average Member Relationship (AMR)
engagement
Value:
$4,912
Peer Avg: -
#2362 of 2596
Bottom 9.1% in <100M tier