BlastPoint's Credit Union Scorecard
PALISADES
Charter #4480 · NY
PALISADES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.10% above tier average
- + AMR Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.86% below tier average
- - Efficiency ratio 15.68% above tier (higher cost structure)
- - Member decline: -9.2% YoY
- - Member Growth Rate: Bottom 3.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
- Shares and deposits -0.9% year over year ($181M in shares and deposits).
- Membership: 12,348 members, -9.2% vs a year ago.
- Delinquency rate 0.93%.
- Return on assets 0.00%.
- Efficiency ratio 92.42% vs a 76.73% peer average.
- Loan-to-share ratio 90.03% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,348
-9.2% YoY+0.7% QoQ
|
-2.8K |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$212.2M
+4.2% YoY+2.5% QoQ
|
$-19.8M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$163.0M
+4.3% YoY+0.2% QoQ
|
+$16.8M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
66% |
| Deposits |
$181.1M
-0.9% YoY-1.7% QoQ
|
$-19.6M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
0.0%
-101.2% YoY-103.3% QoQ
|
-0.9% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.1% in tier |
| NIM |
3.8%
+6.7% YoY-0.3% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
92.4%
-2.3% YoY-1.0% QoQ
|
+15.7% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate |
0.9%
-0.1% YoY+6.2% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
90.0%
+5.3% YoY+1.9% QoQ
|
+18.5% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 14.9% in tier |
| AMR |
$27,867
+11.8% YoY-1.5% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
31.3%
+11.4% YoY+2.2% QoQ
|
+6.7% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % |
13.1%
+4.3% YoY+5.5% QoQ
|
-0.5% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)