BlastPoint's Credit Union Scorecard
GREAT NECK SCHOOL EMPLOYEES
Charter #5163 · NY
GREAT NECK SCHOOL EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.66% above tier average
- + Net Charge-Off Rate: Top 6.5% in tier
- + Net Worth Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Efficiency ratio 35.40% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Fee Income Per Member: Bottom 3.2% in tier
- - Asset Growth Rate: Bottom 5.4% in tier
- - Deposit Growth Rate: Bottom 8.1% in tier
- - Total Members: Bottom 8.9% in tier
- - AMR Growth Rate: Bottom 9.1% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -9.5% year over year ($1.9M in shares and deposits).
- Membership: 334 members, -3.2% vs a year ago.
- Delinquency rate 0.99%.
- Return on assets 1.10%.
- Efficiency ratio 124.17% vs a 88.77% peer average.
- Loan-to-share ratio 81.90% vs a 58.89% 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 |
334
-3.2% YoY-1.2% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 8.9% in tier |
| Assets |
$2.7M
-9.8% YoY-10.1% QoQ
|
$-27.6M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.5% in tier |
| Loans |
$1.5M
-14.1% YoY-2.7% QoQ
|
$-13.9M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.8% in tier |
| Deposits |
$1.9M
-9.5% YoY-12.5% QoQ
|
$-23.9M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.8% in tier |
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| ROA |
1.1%
-1225.6% YoY-215.5% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
4.6%
-5.9% YoY+5.4% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
124.2%
+21.7% YoY+1.7% QoQ
|
+35.4% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.5% in tier |
| Delinquency Rate | 1.0% | -0.6 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
81.9%
-5.1% YoY+11.3% QoQ
|
+23.0% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$10,195
-8.7% YoY-7.3% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 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)