BlastPoint's Credit Union Scorecard
FOURLEAF
Charter #4735 · NY
FOURLEAF has 5 strengths 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
- + Organic Growth Leader: Top 27.3% in tier
- + Organic Growth Engine: Top 56.2% in tier
- + Relationship Depth Leader: Top 100.0% in tier
- + Strong member growth: 6.0% YoY
- + Average Member Relationship (AMR): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.0% in tier
- - Credit Quality Pressure: Bottom 13.3% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 8.28% above tier (higher cost structure)
- - Delinquency rate 0.81% above tier average
- - Total Delinquency Rate (60+ days): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
513,696
+6.0% YoY+0.3% QoQ
|
-1.3M |
1,831,295
-0.2% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 9.5% in tier |
| Assets |
$14.0B
+5.0% YoY-0.1% QoQ
|
$-15.1B |
$29.1B
+3.6% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$11.1B
+9.4% YoY+2.4% QoQ
|
$-10.2B |
$21.4B
+2.0% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$12.7B
+9.3% YoY+1.3% QoQ
|
$-12.2B |
$24.9B
+4.3% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.5%
+35.9% YoY-1.7% QoQ
|
-0.2% |
0.7%
+30.7% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
2.8%
+21.3% YoY+2.2% QoQ
|
-0.3% |
3.1%
+7.9% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
72.9%
-4.6% YoY+0.2% QoQ
|
+8.3% |
64.6%
-4.0% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
2.0%
+15.0% YoY-2.2% QoQ
|
+0.8 |
1.2%
+0.3% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 9.5% in tier |
| Loan To Share |
87.8%
+0.2% YoY+1.1% QoQ
|
-1.3% |
89.1%
-2.0% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$46,403
+3.2% YoY+1.5% QoQ
|
+$15K |
$31,580
+8.5% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 14.3% in tier |
| CD Concentration |
31.7%
-26.0% YoY-17.8% QoQ
|
+0.2% | 31.4% | 16.3% | 19.8% | 43% |
| Indirect Auto % |
9.8%
+105.6% YoY+10.7% QoQ
|
-4.3% | 14.1% | 2.6% | 7.8% | 38% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)