BlastPoint's Credit Union Scorecard
THE SUMMIT
Charter #4580 · NY
THE SUMMIT has 1 strength but faces 6 concerns
How does the industry compare?
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 43.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 39.5% in tier
- - Margin Compression: Bottom 43.5% in tier
- - Indirect Auto Dependency: Bottom 48.7% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 55.6% in tier
- - Indirect Auto Concentration (%): Bottom 1.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 12 that size in New York.
- Shares and deposits +4.4% year over year ($1.31B in shares and deposits).
- Membership: 98,362 members, +2.3% vs a year ago.
- Delinquency rate 0.34%.
- Return on assets 0.87%.
- Efficiency ratio 69.83% vs a 73.02% peer average.
- Loan-to-share ratio 91.74% vs a 84.71% 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 |
98,362
+2.3% YoY+0.7% QoQ
|
+1.5K |
96,861
-1.9% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$1.5B
+5.4% YoY+1.2% QoQ
|
$-228.9M |
$1.7B
+0.4% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
47% |
| Loans |
$1.2B
+5.0% YoY+3.2% QoQ
|
$-32.3M |
$1.2B
+0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$1.3B
+4.4% YoY+1.1% QoQ
|
$-153.2M |
$1.5B
+0.5% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
0.9%
-10.8% YoY-8.3% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
3.1%
-0.4% YoY+0.6% QoQ
|
-0.4% |
3.4%
+6.6% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
69.8%
+0.5% YoY+3.1% QoQ
|
-3.2% |
73.0%
-2.7% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate |
0.3%
+12.7% YoY+9.1% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Top 14.3% in tier |
| Loan To Share |
91.7%
+0.5% YoY+2.1% QoQ
|
+7.0% |
84.7%
+0.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$25,540
+2.4% YoY+1.4% QoQ
|
$-4K |
$29,575
+1.5% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
37.3%
+3.4% YoY-1.0% QoQ
|
+8.2% | 29.1% | 16.4% | 20.0% | 84% |
| Indirect Auto % |
59.2%
-0.6% YoY+0.4% QoQ
|
+41.1% | 18.1% | 2.7% | 7.7% | Bottom 1.1% in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)