BlastPoint's Credit Union Scorecard

ACCESS

Charter #5579 · NY

1077 CUs in 100M-500M nationally 52 in NY

ACCESS demonstrates 10 strengths

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 17.5% in tier
+ Organic Growth Leader: Top 28.2% in tier
+ Wallet Share Momentum: Top 42.7% in tier
+ Profitability Leader: Top 76.1% in tier
+ ROA 0.45% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Asset Growth Rate: Top 4.5% in tier
+ Deposit Growth Rate: Top 5.1% in tier
+ Net Charge-Off Rate: Top 5.4% in tier
+ Members Per Employee (MPE): Top 7.6% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	23,300 +1.0% YoY+0.4% QoQ	+7.7K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	84%
Assets	$301.2M +13.5% YoY+2.3% QoQ	+$69.9M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	73%
Loans	$152.8M +2.0% YoY+0.7% QoQ	+$5.0M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	61%
Deposits	$271.4M +13.4% YoY+2.1% QoQ	+$71.1M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	76%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +1.1% YoY+7.9% QoQ	+0.5%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	80%
NIM	3.1% +2.3% YoY+0.6% QoQ	-0.5%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	24%
Efficiency Ratio	69.8% -0.2% YoY-2.7% QoQ	-7.5%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	25%
Delinquency Rate	0.4% -37.4% YoY+12.6% QoQ	-0.4	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	31%
Loan To Share	56.3% -10.1% YoY-1.4% QoQ	-16.4%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	16%
AMR	$18,208 +7.9% YoY+1.2% QoQ	$-6K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	24%
CD Concentration	23.2% +36.5% YoY+7.8% QoQ	-1.2%	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 (4)

Organic Growth Engine

growth

#322 of 603 • Top 17.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.95%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.24%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth

#372 of 430 • Top 28.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.95%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Wallet Share Momentum

growth

#206 of 481 • Top 42.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.95%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Profitability Leader

growth

#259 of 340 • Top 76.1% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.24%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Asset Growth Rate

growth

Value: 13.50%

Peer Avg: -

#50 of 1077 Top 4.5% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.38%

Peer Avg: -

#56 of 1077 Top 5.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.04%

Peer Avg: -

#59 of 1077 Top 5.4% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 475.510

Peer Avg: -

#83 of 1077 Top 7.6% in 100M-500M tier

160

AMR Growth Rate

growth

Value: 7.95%

Peer Avg: -

#160 of 1077 Top 14.8% in 100M-500M tier

174

Total Members

engagement

Value: 23,300

Peer Avg: -

#174 of 1077 Top 16.1% in 100M-500M tier

218

Return on Assets (ROA)

profitability

Value: 1.24%

Peer Avg: -

#218 of 1077 Top 20.1% in 100M-500M tier

260

Total Deposits

balance_sheet

Value: $271.41M

Peer Avg: -

#260 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (5 metrics)

899

Loan-to-Share Ratio

balance_sheet

Value: 56.31%

Peer Avg: -

#899 of 1077 Bottom 16.6% in 100M-500M tier

887

Net Worth Ratio

risk

Value: 9.29%

Peer Avg: -

#887 of 1077 Bottom 17.7% in 100M-500M tier

876

Loan-to-Member Ratio (LMR)

engagement

Value: $6,559

Peer Avg: -

#876 of 1077 Bottom 18.8% in 100M-500M tier

818

Average Member Relationship (AMR)

engagement

Value: $18,208

Peer Avg: -

#818 of 1077 Bottom 24.1% in 100M-500M tier

816

Net Interest Margin (NIM)

profitability

Value: 3.13%

Peer Avg: -

#816 of 1077 Bottom 24.3% in 100M-500M tier