BlastPoint's Credit Union Scorecard
SARATOGA'S COMMUNITY
Charter #5252 · NY
SARATOGA'S COMMUNITY has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
- + Fee Income Per Member: Top 3.0% in tier
- + Total Loans: Top 5.1% in tier
- + Loan-to-Share Ratio: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 4.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,441
+2.2% YoY+0.6% QoQ
|
+2.8K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Top 11.6% in tier |
| Assets |
$58.5M
+5.0% YoY-0.9% QoQ
|
+$28.7M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$51.0M
+0.8% YoY+1.3% QoQ
|
+$35.3M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 5.2% in tier |
| Deposits |
$54.1M
+4.2% YoY-0.9% QoQ
|
+$28.6M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
84% |
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| ROA |
1.2%
+200.0% YoY-33.3% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
3.9%
-0.5% YoY+2.8% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
51% |
| Efficiency Ratio |
77.4%
-13.8% YoY+9.7% QoQ
|
-4.0% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.6%
+66.7% YoY+74.6% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
48% |
| Loan To Share |
94.4%
-3.3% YoY+2.3% QoQ
|
+33.2% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 7.6% in tier |
| AMR |
$19,319
+0.3% YoY-0.5% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
77% |
| CD Concentration |
7.9%
+429.0% YoY-33.4% QoQ
|
-16.5% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-88.5% YoY-80.8% QoQ
|
-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)