BlastPoint's Credit Union Scorecard
FOURLEAF
Charter #4735 · NY
FOURLEAF has 5 strengths but faces 6 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
- + Organic Growth Leader: Top 44.0% in tier
- + Organic Growth Engine: Top 44.0% in tier
- + Emerging Performer: Top 68.0% in tier
- + Relationship Depth Leader: Top 72.0% in tier
- + Strong member growth: 5.0% YoY
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.0% in tier
- - Credit Risk Growth: Bottom 44.0% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 8.71% above tier (higher cost structure)
- - Delinquency rate 1.20% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.0% 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 25 credit unions with $10B+ in assets nationally, and 1 of 3 that size in New York.
- Shares and deposits +6.5% year over year ($13.0B in shares and deposits).
- Membership: 527,355 members, +5.0% vs a year ago.
- Delinquency rate 2.23%.
- Return on assets 0.58%.
- Efficiency ratio 70.28% vs a 61.57% peer average.
- Loan-to-share ratio 87.88% vs a 87.50% 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 |
527,355
+5.0% YoY+1.6% QoQ
|
-1.1M |
1,671,910
-4.2% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$14.4B
+3.9% YoY+0.4% QoQ
|
$-13.2B |
$27.7B
+0.2% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$11.4B
+7.4% YoY+1.7% QoQ
|
$-8.6B |
$20.0B
-0.9% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$13.0B
+6.5% YoY+0.4% QoQ
|
$-10.5B |
$23.5B
+0.4% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.6%
+57.0% YoY-5.5% QoQ
|
-0.5% |
1.0%
+45.0% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
3.0%
+13.0% YoY+1.1% QoQ
|
-0.3% |
3.2%
+5.4% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
70.3%
-7.9% YoY-0.3% QoQ
|
+8.7% |
61.6%
-6.2% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
2.2%
+39.0% YoY+10.4% QoQ
|
+1.2 |
1.0%
-2.7% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.0% in tier |
| Loan To Share |
87.9%
+0.9% YoY+1.4% QoQ
|
+0.4% |
87.5%
-3.0% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$46,315
+1.8% YoY-0.6% QoQ
|
+$13K |
$32,850
+5.7% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
84% |
| CD Concentration |
25.8%
-39.6% YoY-3.0% QoQ
|
-4.4% | 30.2% | 16.4% | 20.0% | 20% |
| Indirect Auto % |
10.3%
+34.9% YoY+0.0% QoQ
|
-4.6% | 15.0% | 2.7% | 7.7% | 40% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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 (2)
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.
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)