BlastPoint's Credit Union Scorecard
THE SUMMIT
Charter #4580 · NY
THE SUMMIT has 7 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 4.2% in tier
- + Organic Growth Engine: Top 5.4% in tier
- + Credit Quality Leader: Top 69.2% in tier
- + Profitability Leader: Top 96.8% in tier
- + ROA 0.31% above tier average
- + Strong member growth: 11.6% YoY
- + Member Growth Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 2.6% in tier
- - Indirect Auto Dependency: Bottom 9.2% in tier
- - Credit Quality Pressure: Bottom 26.0% in tier
- - Liquidity Strain: Bottom 31.5% in tier
- - Indirect Auto Concentration (%): Bottom 1.0% in tier
- - AMR Growth Rate: Bottom 3.3% in tier
- - Fee Income Per Member: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
106,075
+11.6% YoY+10.3% QoQ
|
+7.4K |
98,678
-1.9% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$1.4B
+4.6% YoY-0.3% QoQ
|
$-305.0M |
$1.7B
+0.5% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$1.1B
+0.4% YoY+0.3% QoQ
|
$-84.3M |
$1.2B
+0.5% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$1.2B
+4.2% YoY-0.9% QoQ
|
$-211.4M |
$1.5B
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
47% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+19.7% YoY+4.6% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
79% |
| NIM |
3.1%
+11.2% YoY+2.0% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
37% |
| Efficiency Ratio |
69.4%
-4.0% YoY-0.1% QoQ
|
-4.6% |
74.0%
-10.9% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.3%
+4.1% YoY+13.5% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
17% |
| Loan To Share |
92.4%
-3.7% YoY+1.3% QoQ
|
+7.2% |
85.2%
-0.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$22,548
-8.3% YoY-9.6% QoQ
|
$-7K |
$29,172
+2.8% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
37.2%
+3.1% YoY+3.3% QoQ
|
+8.3% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
84% |
| Indirect Auto % |
58.7%
-2.2% YoY-1.4% QoQ
|
+39.9% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
Top 0.8% in tier |
Signature Analysis
Strengths (4)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)