BlastPoint's Credit Union Scorecard

BROADVIEW

Charter #51 · NY

Large 7B-10B

29 CUs in 7B-10B nationally 3 in NY

View Large leaderboard →

BROADVIEW has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 68.8% in tier
+ Organic Growth Engine: Top 68.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 7.6% in tier
- Credit Quality Pressure: Bottom 60.9% in tier
- Credit Risk Growth: Bottom 60.9% in tier
- ROA 0.46% below tier average
- Efficiency ratio 15.44% above tier (higher cost structure)
- Net Worth Ratio: Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	511,058 +1.6% YoY+1.0% QoQ	+74.2K	436,889 -2.3% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	62%
Assets	$9.2B +3.6% YoY+2.3% QoQ	+$290.3M	$8.9B -0.1% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	52%
Loans	$7.0B +3.7% YoY+0.4% QoQ	+$840.3M	$6.1B -1.1% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	76%
Deposits	$8.4B +5.8% YoY+2.3% QoQ	+$705.3M	$7.7B +1.8% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	83%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +95.2% YoY-22.0% QoQ	-0.5%	0.9% +16.3% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	17%
NIM	3.1% +7.3% YoY+3.2% QoQ	+0.0%	3.1% +6.3% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	52%
Efficiency Ratio	81.5% -7.2% YoY+3.0% QoQ	+15.4%	66.1% -2.8% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Bottom 10.3% in tier
Delinquency Rate	0.6% +0.9% YoY-24.3% QoQ	+0.0	0.6% +12.0% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	55%
Loan To Share	83.6% -2.0% YoY-1.8% QoQ	+3.2%	80.4% -3.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	55%
AMR	$30,030 +3.1% YoY+0.4% QoQ	$-7K	$37,056 +6.8% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	41%
CD Concentration	19.8% +0.4% YoY-1.5% QoQ	-8.8%	28.6%	16.4%	19.8%	Bottom 13.6% in tier
Indirect Auto %	11.5% +18.2% YoY+4.8% QoQ	-4.9%	16.4%	2.6%	7.7%	41%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#18 of 22 • Top 68.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.63%

(Tier: 4.32%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 11.47%

(Tier: 16.37%, National: 7.73%)

better than tier avg

22 of 66 Large CUs have this signature | 518 nationally

→ No prior data (22 CUs now) | New qualifier

Organic Growth Engine

growth

#22 of 22 • Top 68.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.63%

(Tier: 4.32%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.48%

(Tier: 0.90%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 11.47%

(Tier: 16.37%, National: 7.73%)

better than tier avg

22 of 66 Large CUs have this signature | 499 nationally

→ No prior data (22 CUs now) | New qualifier

Concerns (3)

Efficiency Drag

risk

#3 of 5 • Bottom 7.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.49%

(Tier: 66.35%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.23% points

(Tier: 0.13% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 1.63%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

5 of 66 Large CUs have this signature | 702 nationally

→ Stable (8→5 CUs) -3 CUs YoY

Credit Quality Pressure

risk

#39 of 42 • Bottom 60.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

42 of 66 Large CUs have this signature | 1013 nationally

→ Stable (39→42 CUs) +3 CUs YoY | Rank worsening

Credit Risk Growth

risk

#33 of 35 • Bottom 60.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.70%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

35 of 66 Large CUs have this signature | 710 nationally

→ No prior data (35 CUs now) | New qualifier

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 29 peers in tier

Top Strengths (4 metrics)

Total Deposits

balance_sheet

Value: $8.36B

Peer Median: $7.73B

#5 of 29 Top 13.8% in 7B-10B tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.80%

Peer Median: 25.99%

#6 of 29 Top 17.2% in 7B-10B tier

Total Loans

balance_sheet

Value: $6.99B

Peer Median: $6.40B

#7 of 29 Top 20.7% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.30%

Peer Median: 0.45%

#8 of 29 Top 24.1% in 7B-10B tier

Top Weaknesses (3 metrics)

Net Worth Ratio

risk

Value: 8.86%

Peer Median: 11.34%

#28 of 29 Bottom 6.9% in 7B-10B tier

Efficiency Ratio

profitability

Value: 81.49%

Peer Median: 65.65%

#27 of 29 Bottom 10.3% in 7B-10B tier

Return on Assets (ROA)

profitability

Value: 0.48%

Peer Median: 0.92%

#24 of 29 Bottom 20.7% in 7B-10B tier