BlastPoint's Credit Union Scorecard
SIDNEY
Charter #6011 · NY
SIDNEY has 7 strengths but faces 2 concerns
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 6.8% in tier
- + Emerging Performer: Top 12.3% in tier
- + ROA 0.59% above tier average
- + Net Interest Margin 0.66% above tier average
- + Asset Growth Rate: Top 5.2% in tier
- + Deposit Growth Rate: Top 5.6% in tier
- + AMR Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.8% in tier
- - Share Certificate Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,418
+3.1% YoY+0.1% QoQ
|
-20.6K |
96,048
-2.7% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$1.3B
+18.6% YoY+4.9% QoQ
|
$-435.1M |
$1.7B
+0.4% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$1.0B
+10.8% YoY-1.6% QoQ
|
$-204.6M |
$1.2B
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
39% |
| Deposits |
$1.2B
+18.5% YoY+5.1% QoQ
|
$-312.4M |
$1.5B
+0.5% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
1.3%
+35.3% YoY-0.1% QoQ
|
+0.6% |
0.7%
+27.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 12.1% in tier |
| NIM |
4.0%
-1.4% YoY+0.1% QoQ
|
+0.7% |
3.4%
+6.2% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
67.1%
-4.0% YoY+4.3% QoQ
|
-7.6% |
74.6%
-3.0% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
18% |
| Delinquency Rate |
0.7%
-26.0% YoY-35.9% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
87.5%
-6.5% YoY-6.4% QoQ
|
+4.3% |
83.2%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$28,670
+11.3% YoY+1.7% QoQ
|
$-982 |
$29,652
+2.3% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
40.8%
-1.3% YoY-5.9% QoQ
|
+12.0% | 28.8% | 16.4% | 19.8% | Top 9.7% in tier |
| Indirect Auto % |
36.5%
-23.1% YoY-4.0% QoQ
|
+18.5% | 18.1% | 2.6% | 7.7% | Bottom 13.8% in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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 (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)