BlastPoint's Credit Union Scorecard
BROADVIEW
Charter #51 · NY
BROADVIEW has 3 strengths but faces 4 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 85.7% in tier
- + Organic Growth Engine: Top 96.2% in tier
- + Net Interest Margin 0.00% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 14.35% above tier (higher cost structure)
- - Delinquency rate 0.13% above tier average
- - Net Worth Ratio: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
506,127
+1.2% YoY-0.9% QoQ
|
+60.2K |
445,922
+0.4% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$9.0B
+3.6% YoY-0.3% QoQ
|
+$62.5M |
$8.9B
+0.9% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$7.0B
+3.3% YoY+1.4% QoQ
|
+$697.9M |
$6.3B
+0.8% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$8.2B
+6.0% YoY+2.6% QoQ
|
+$657.0M |
$7.5B
+1.2% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.6%
+202.2% YoY+10.3% QoQ
|
-0.4% |
1.0%
+27.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
3.0%
+11.3% YoY+1.9% QoQ
|
+0.0% |
3.0%
+12.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
79.1%
-11.1% YoY-1.5% QoQ
|
+14.3% |
64.8%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 6.1% in tier |
| Delinquency Rate |
0.8%
-14.5% YoY+8.4% QoQ
|
+0.1 |
0.7%
+5.5% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
85.1%
-2.5% YoY-1.2% QoQ
|
+1.7% |
83.4%
-0.6% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$29,897
+3.5% YoY+2.9% QoQ
|
$-4K |
$34,266
-1.7% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
20.1%
+3.3% YoY-1.6% QoQ
|
-9.0% | 29.1% | 16.3% | 19.8% | Bottom 14.9% in tier |
| Indirect Auto % |
10.9%
+11.6% YoY+6.6% QoQ
|
-6.2% | 17.1% | 2.6% | 7.8% | 37% |
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 (0)
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)