BlastPoint's Credit Union Scorecard

THE SUMMIT

Charter #4580 · NY

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 12 in NY

View Mid-Market leaderboard →

THE SUMMIT has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 26.9% in tier
+ ROA 0.23% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 40.0% in tier
- Indirect Auto Dependency: Bottom 47.4% in tier
- Credit Risk Growth: Bottom 61.6% in tier
- Indirect Auto Concentration (%): Bottom 1.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	97,655 +2.7% YoY+0.8% QoQ	+1.6K	96,048 -2.7% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	61%
Assets	$1.5B +5.2% YoY+2.2% QoQ	$-242.8M	$1.7B +0.4% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	44%
Loans	$1.2B +3.7% YoY+1.7% QoQ	$-49.6M	$1.2B +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	58%
Deposits	$1.3B +4.1% YoY+2.2% QoQ	$-169.8M	$1.5B +0.5% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	49%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% -4.9% YoY-12.6% QoQ	+0.2%	0.7% +27.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	75%
NIM	3.0% +0.7% YoY-2.9% QoQ	-0.3%	3.4% +6.2% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	28%
Efficiency Ratio	67.7% -1.8% YoY-1.6% QoQ	-6.9%	74.6% -3.0% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	22%
Delinquency Rate	0.3% +28.8% YoY-7.2% QoQ	-0.4	0.8% +6.9% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	17%
Loan To Share	89.8% -0.4% YoY-0.5% QoQ	+6.7%	83.2% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	64%
AMR	$25,190 +1.1% YoY+1.2% QoQ	$-4K	$29,652 +2.3% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	32%
CD Concentration	37.7% +5.8% YoY-1.8% QoQ	+8.8%	28.8%	16.4%	19.8%	85%
Indirect Auto %	59.0% -0.8% YoY+1.4% QoQ	+40.9%	18.1%	2.6%	7.7%	Bottom 1.0% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#43 of 79 • Top 26.9% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.95%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.72%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#28 of 198 • Bottom 47.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.24%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 58.98%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.72%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#152 of 225 • Bottom 40.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Credit Risk Growth

risk

#153 of 183 • Bottom 61.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.66%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 19.19%

Peer Median: 33.05%

#48 of 306 Top 15.4% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.63%

#52 of 306 Top 16.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.27%

Peer Median: 0.51%

#67 of 306 Top 21.6% in 1B-3B tier

Efficiency Ratio

profitability

Value: 67.71%

Peer Median: 75.16%

#69 of 306 Top 22.2% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 0.95%

Peer Median: 0.66%

#76 of 306 Top 24.5% in 1B-3B tier

Top Weaknesses (3 metrics)

303

Indirect Auto Concentration (%)

balance_sheet

Value: 58.98%

Peer Median: 13.86%

#303 of 306 Bottom 1.3% in 1B-3B tier

269

Share Certificate Concentration (%)

balance_sheet

Value: 37.66%

Peer Median: 27.93%

#269 of 306 Bottom 12.4% in 1B-3B tier

266

Fee Income Per Member

profitability

Value: $130.98

Peer Median: $191.54

#266 of 306 Bottom 13.4% in 1B-3B tier