BlastPoint's Credit Union Scorecard
SIDNEY
Charter #6011 · NY
SIDNEY has 9 strengths but faces 6 concerns
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 13.1% in tier
- + Emerging Performer: Top 15.8% in tier
- + Organic Growth Engine: Top 28.5% in tier
- + ROA 0.63% above tier average
- + Net Interest Margin 0.74% above tier average
- + Asset Growth Rate: Top 4.3% in tier
- + Loan Growth Rate: Top 4.3% in tier
- + AMR Growth Rate: Top 4.3% in tier
- + Deposit Growth Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.1% in tier
- - Credit Risk Growth: Bottom 11.7% in tier
- - Liquidity Strain: Bottom 41.2% in tier
- - Credit Quality Pressure: Bottom 51.0% in tier
- - Delinquency rate 0.23% above tier average
- - Share Certificate Concentration (%): Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,308
+4.1% YoY+0.1% QoQ
|
-22.1K |
97,431
-2.4% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$1.2B
+16.7% YoY+3.8% QoQ
|
$-498.7M |
$1.7B
+0.9% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$1.0B
+19.2% YoY+0.6% QoQ
|
$-209.0M |
$1.2B
+0.5% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$1.1B
+16.4% YoY+3.4% QoQ
|
$-362.1M |
$1.5B
+0.9% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
1.3%
+90.1% YoY+36.9% QoQ
|
+0.6% |
0.7%
+20.9% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 8.9% in tier |
| NIM |
4.0%
+4.5% YoY-1.7% QoQ
|
+0.7% |
3.3%
+9.2% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 10.6% in tier |
| Efficiency Ratio |
64.3%
-11.4% YoY-6.0% QoQ
|
-9.8% |
74.1%
-9.5% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate |
1.1%
+12.5% YoY+40.3% QoQ
|
+0.2 |
0.9%
+6.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
93.5%
+2.4% YoY-2.6% QoQ
|
+8.7% |
84.8%
-0.8% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$28,186
+13.2% YoY+1.9% QoQ
|
$-1K |
$29,428
+2.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
43.4%
+3.9% YoY-1.4% QoQ
|
+14.3% | 29.0% | 16.3% | 19.8% | Top 7.4% in tier |
| Indirect Auto % |
38.1%
-25.3% YoY-5.3% QoQ
|
+19.7% | 18.3% | 2.6% | 7.8% | Top 12.8% in tier |
Signature Analysis
Strengths (3)
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.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)