BlastPoint's Credit Union Scorecard
BROADVIEW
Charter #51 · NY
BROADVIEW has 3 strengths but faces 5 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 59.4% in tier
- + Organic Growth Engine: Top 59.4% in tier
- + Total Deposits: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 37.5% in tier
- - Credit Risk Growth: Bottom 45.3% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 11.75% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 7.1% 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 28 credit unions with $7B-$10B in assets nationally, and 1 of 3 that size in New York.
- Shares and deposits +5.0% year over year ($8.50B in shares and deposits).
- Membership: 516,899 members, +2.1% vs a year ago.
- Delinquency rate 0.80%.
- Return on assets 0.64%.
- Efficiency ratio 77.82% vs a 66.07% peer average.
- Loan-to-share ratio 83.22% vs a 81.29% 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 |
516,899
+2.1% YoY+1.1% QoQ
|
+78.0K |
438,885
-1.1% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
61% |
| Assets |
$9.4B
+2.7% YoY+1.7% QoQ
|
+$441.4M |
$8.9B
+0.0% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$7.1B
+4.8% YoY+1.3% QoQ
|
+$859.6M |
$6.2B
-0.6% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$8.5B
+5.0% YoY+1.7% QoQ
|
+$846.0M |
$7.7B
+2.7% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Top 10.7% in tier |
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| ROA |
0.6%
+66.7% YoY+33.5% QoQ
|
-0.4% |
1.0%
+4.7% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
3.1%
+9.0% YoY+1.4% QoQ
|
+0.0% |
3.1%
+6.6% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
77.8%
-7.7% YoY-4.5% QoQ
|
+11.7% |
66.1%
+1.6% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
0.8%
+13.7% YoY+25.3% QoQ
|
+0.0 |
0.8%
+23.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
83.2%
-0.3% YoY-0.4% QoQ
|
+1.9% |
81.3%
-3.8% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$30,137
+2.8% YoY+0.4% QoQ
|
$-7K |
$37,279
+8.1% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
19.6%
-3.5% YoY-1.2% QoQ
|
-8.8% | 28.3% | 16.4% | 20.0% | Bottom 13.6% in tier |
| Indirect Auto % |
12.3%
+24.5% YoY+6.8% QoQ
|
-4.6% | 16.8% | 2.7% | 7.7% | 39% |
Signature Analysis
Strengths (2)
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.
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)