BlastPoint's Credit Union Scorecard
BROADVIEW
Charter #51 · NY
BROADVIEW has 2 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 21.7% in tier
- + Organic Growth Engine: Top 27.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 23.8% in tier
- - Flatlined Growth: Bottom 66.7% in tier
- - ROA 0.47% below tier average
- - Efficiency ratio 16.66% above tier (higher cost structure)
- - Delinquency rate 0.11% above tier average
- - Net Worth Ratio: Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
510,624
+2.8% YoY+0.8% QoQ
|
+51.3K |
459,296
+3.8% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
63% |
| Assets |
$9.0B
+0.9% YoY-1.0% QoQ
|
+$102.7M |
$8.9B
+1.2% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$6.9B
+2.5% YoY+1.6% QoQ
|
+$521.3M |
$6.3B
+2.9% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
57% |
| Deposits |
$8.0B
+5.7% YoY-1.5% QoQ
|
+$517.5M |
$7.5B
+2.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
0.6%
+212.1% YoY+45.2% QoQ
|
-0.5% |
1.0%
+22.1% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
2.9%
+13.4% YoY+2.1% QoQ
|
-0.1% |
3.0%
+11.5% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
50% |
| Efficiency Ratio |
80.4%
-11.2% YoY-4.7% QoQ
|
+16.7% |
63.7%
-2.2% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 6.7% in tier |
| Delinquency Rate |
0.8%
-8.9% YoY+10.7% QoQ
|
+0.1 |
0.7%
+10.8% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
86.1%
-3.1% YoY+3.2% QoQ
|
+0.7% |
85.4%
+0.7% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$29,050
+1.4% YoY-0.9% QoQ
|
$-5K |
$33,660
-2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
20.4%
+6.5% YoY+0.9% QoQ
|
-8.4% |
28.9%
-1.3% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
17% |
| Indirect Auto % |
10.3%
+3.0% YoY+4.3% QoQ
|
-6.3% |
16.6%
-10.3% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
34% |
Signature Analysis
Strengths (2)
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.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)