BlastPoint's Credit Union Scorecard
GREAT NECK SCHOOL EMPLOYEES
Charter #5163 · NY
GREAT NECK SCHOOL EMPLOYEES has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.22% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 6.1% in tier
- + Loan-to-Share Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Efficiency ratio 16.89% above tier (higher cost structure)
- - Member decline: -3.4% YoY
- - Fee Income Per Member: Bottom 4.6% in tier
- - Total Members: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
343
-3.4% YoY-0.6% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 9.2% in tier |
| Assets |
$2.8M
-0.4% YoY-5.8% QoQ
|
$-27.0M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.7% in tier |
| Loans |
$1.8M
-6.0% YoY+1.3% QoQ
|
$-14.0M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$1.9M
+2.9% YoY-8.5% QoQ
|
$-23.6M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.6% in tier |
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| ROA |
0.1%
-100.6% YoY-190.3% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
5.2%
+109.7% YoY+6.3% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 11.4% in tier |
| Efficiency Ratio |
98.3%
-82.7% YoY-3.7% QoQ
|
+16.9% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 12.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
95.6%
-8.6% YoY+10.8% QoQ
|
+34.4% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 6.9% in tier |
| AMR |
$10,791
+1.8% YoY-3.4% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
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)