BlastPoint's Credit Union Scorecard
SIDNEY
Charter #6011 · NY
SIDNEY has 6 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 17.6% in tier
- + Wallet Share Momentum: Top 21.5% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 0.70% above tier average
- + Asset Growth Rate: Top 9.0% in tier
- + Deposit Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.8% in tier
- - Liquidity Strain: Bottom 44.5% in tier
- - Share Certificate Concentration (%): Bottom 7.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 12 that size in New York.
- Shares and deposits +12.3% year over year ($1.14B in shares and deposits).
- Membership: 75,995 members, +2.6% vs a year ago.
- Delinquency rate 0.85%.
- Return on assets 1.22%.
- Efficiency ratio 67.25% vs a 73.02% peer average.
- Loan-to-share ratio 90.06% vs a 84.71% 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 |
75,995
+2.6% YoY+0.8% QoQ
|
-20.9K |
96,861
-1.9% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$1.3B
+12.9% YoY-0.8% QoQ
|
$-449.9M |
$1.7B
+0.4% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$1.0B
+6.4% YoY+1.6% QoQ
|
$-209.3M |
$1.2B
+0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$1.1B
+12.3% YoY-1.3% QoQ
|
$-325.3M |
$1.5B
+0.5% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
1.2%
+33.9% YoY-6.7% QoQ
|
+0.4% |
0.8%
+27.6% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
4.1%
+0.7% YoY+2.8% QoQ
|
+0.7% |
3.4%
+6.6% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 8.3% in tier |
| Efficiency Ratio |
67.2%
-3.8% YoY+0.3% QoQ
|
-5.8% |
73.0%
-2.7% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
0.8%
-10.8% YoY+17.2% QoQ
|
+0.0 |
0.9%
+7.3% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
90.1%
-5.3% YoY+2.9% QoQ
|
+5.3% |
84.7%
+0.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
60% |
| AMR |
$28,462
+6.6% YoY-0.7% QoQ
|
$-1K |
$29,575
+1.5% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
41.2%
+3.9% YoY+1.0% QoQ
|
+12.1% | 29.1% | 16.4% | 20.0% | Top 9.3% in tier |
| Indirect Auto % |
34.7%
-21.5% YoY-5.2% QoQ
|
+16.6% | 18.1% | 2.7% | 7.7% | 83% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)