BlastPoint's Credit Union Scorecard

THE SUMMIT

Charter #4580 · NY

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 13 in NY

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THE SUMMIT has 3 strengths but faces 3 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 44.7% in tier
+ Organic Growth Engine: Top 63.4% in tier
+ ROA 0.40% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 17.4% in tier
- Liquidity Strain: Bottom 98.2% in tier
- Indirect Auto Concentration (%): Bottom 1.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	96,919 +2.4% YoY-8.6% QoQ	-512	97,431 -2.4% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	58%
Assets	$1.4B +5.2% YoY+2.2% QoQ	$-277.5M	$1.7B +0.9% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	41%
Loans	$1.1B +1.8% YoY-0.4% QoQ	$-90.1M	$1.2B +0.5% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	54%
Deposits	$1.3B +4.7% YoY+2.0% QoQ	$-191.9M	$1.5B +0.9% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	47%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +19.5% YoY+6.4% QoQ	+0.4%	0.7% +20.9% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	83%
NIM	3.1% +8.8% YoY+0.1% QoQ	-0.1%	3.3% +9.2% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	36%
Efficiency Ratio	68.8% -3.9% YoY-0.9% QoQ	-5.3%	74.1% -9.5% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	28%
Delinquency Rate	0.3% -12.6% YoY-1.9% QoQ	-0.6	0.9% +6.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	Bottom 12.6% in tier
Loan To Share	90.3% -2.7% YoY-2.3% QoQ	+5.5%	84.8% -0.8% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	59%
AMR	$24,884 +0.9% YoY+10.4% QoQ	$-5K	$29,428 +2.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	31%
CD Concentration	38.3% +4.4% YoY+3.0% QoQ	+9.3%	29.0%	16.3%	19.8%	84%
Indirect Auto %	58.1% -1.9% YoY-0.9% QoQ	+39.8%	18.3%	2.6%	7.8%	Top 0.8% in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth

#35 of 77 • Top 44.7% 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: 1.08%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Member Growth (YoY): 2.36%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Organic Growth Engine

growth

#157 of 247 • Top 63.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.36%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.08%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 58.14%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#35 of 196 • Bottom 17.4% in tier

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

Why This Signature

Asset Growth (YoY): 5.15%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 58.14%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.36%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Liquidity Strain

risk

#163 of 166 • Bottom 98.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.28%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 1.81%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

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 302 peers in tier

Top Strengths (4 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: -

#39 of 302 Top 12.6% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.41%

Peer Median: -

#46 of 302 Top 14.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.21%

Peer Median: -

#47 of 302 Top 15.2% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.08%

Peer Median: -

#50 of 302 Top 16.2% in 1B-3B tier

Top Weaknesses (3 metrics)

300

Indirect Auto Concentration (%)

balance_sheet

Value: 58.14%

Peer Median: -

#300 of 302 Bottom 1.0% in 1B-3B tier

263

Share Certificate Concentration (%)

balance_sheet

Value: 38.34%

Peer Median: -

#263 of 302 Bottom 13.2% in 1B-3B tier

261

Fee Income Per Member

profitability

Value: $138.45

Peer Median: -

#261 of 302 Bottom 13.9% in 1B-3B tier