BlastPoint's Credit Union Scorecard
SIDNEY
Charter #6011 · NY
SIDNEY has 9 strengths but faces 3 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 10.4% in tier
- + Organic Growth Engine: Top 17.3% in tier
- + Emerging Performer: Top 38.0% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 0.82% above tier average
- + Loan Growth Rate: Top 2.3% in tier
- + Asset Growth Rate: Top 3.0% in tier
- + AMR Growth Rate: Top 3.0% in tier
- + Deposit Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.8% in tier
- - Liquidity Strain: Bottom 8.8% in tier
- - Share Certificate Concentration (%): Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,245
+4.4% YoY+1.6% QoQ
|
-23.4K |
98,678
-1.9% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
34% |
| Assets |
$1.2B
+15.8% YoY+4.6% QoQ
|
$-539.6M |
$1.7B
+0.5% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$1.0B
+23.2% YoY+5.8% QoQ
|
$-214.0M |
$1.2B
+0.5% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$1.1B
+16.3% YoY+4.8% QoQ
|
$-392.7M |
$1.5B
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
27% |
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| ROA |
1.0%
+57.3% YoY+5.0% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
4.1%
+6.2% YoY-0.3% QoQ
|
+0.8% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
68.4%
-7.3% YoY-2.2% QoQ
|
-5.6% |
74.0%
-10.9% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.8%
-4.3% YoY-15.4% QoQ
|
-0.0 |
0.8%
+6.1% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
96.0%
+6.0% YoY+1.0% QoQ
|
+10.8% |
85.2%
-0.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR |
$27,653
+14.6% YoY+3.6% QoQ
|
$-2K |
$29,172
+2.8% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
51% |
| CD Concentration |
44.0%
+4.9% YoY+10.9% QoQ
|
+15.0% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
Top 6.3% in tier |
| Indirect Auto % |
40.2%
-25.6% YoY-8.9% QoQ
|
+21.4% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
Top 12.1% in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)