BlastPoint's Credit Union Scorecard
PALISADES
Charter #4480 · NY
PALISADES has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 22.2% in tier
- + Net Interest Margin 0.12% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.6% in tier
- - Credit Quality Pressure: Bottom 12.4% in tier
- - ROA 1.02% below tier average
- - Efficiency ratio 16.87% above tier (higher cost structure)
- - Delinquency rate 0.19% above tier average
- - Fee Income Per Member: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,691
+1.6% YoY+0.7% QoQ
|
-1.9K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$201.0M
+0.0% YoY-1.3% QoQ
|
$-30.3M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$158.9M
-0.6% YoY+1.7% QoQ
|
+$11.1M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
64% |
| Deposits |
$178.7M
+3.1% YoY-2.2% QoQ
|
$-21.6M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
-0.2%
-1344.1% YoY-32.8% QoQ
|
-1.0% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.5% in tier |
| NIM |
3.7%
+4.6% YoY+4.2% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
94.1%
+3.0% YoY-0.5% QoQ
|
+16.9% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 5.6% in tier |
| Delinquency Rate |
1.1%
+30.5% YoY+13.2% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
88.9%
-3.5% YoY+4.0% QoQ
|
+16.2% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$24,661
-0.3% YoY-1.1% QoQ
|
+$297 |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
30.4%
+5.0% YoY+8.2% QoQ
|
+6.0% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.6%
-5.1% YoY+0.7% QoQ
|
-1.3% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)