BlastPoint's Credit Union Scorecard
ACCESS
Charter #5579 · NY
ACCESS has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.50% above tier average
- + Net Charge-Off Rate: Top 7.7% in tier
- + Members Per Employee (MPE): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
- Shares and deposits +8.2% year over year ($288M in shares and deposits).
- Membership: 23,142 members, -0.2% vs a year ago.
- Delinquency rate 0.89%.
- Return on assets 1.36%.
- Efficiency ratio 66.95% vs a 76.73% peer average.
- Loan-to-share ratio 53.55% vs a 71.54% 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 |
23,142
-0.2% YoY-0.1% QoQ
|
+8.0K |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
85% |
| Assets |
$320.1M
+8.7% YoY+1.0% QoQ
|
+$88.1M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$154.0M
+1.5% YoY+1.1% QoQ
|
+$7.7M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$287.6M
+8.2% YoY+0.6% QoQ
|
+$86.9M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
1.4%
+18.3% YoY+0.1% QoQ
|
+0.5% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
3.3%
+5.3% YoY+2.4% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
67.0%
-6.6% YoY+1.7% QoQ
|
-9.8% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
19% |
| Delinquency Rate |
0.9%
+130.3% YoY+36.0% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
53.5%
-6.3% YoY+0.5% QoQ
|
-18.0% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
15% |
| AMR |
$19,084
+6.0% YoY+0.8% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
27% |
| CD Concentration |
25.9%
+20.5% YoY+4.6% QoQ
|
+1.4% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)