BlastPoint's Credit Union Scorecard
MUNICIPAL
Charter #60153 · NY
MUNICIPAL has 8 strengths but faces 7 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
- + Wallet Share Momentum: Top 10.9% in tier
- + Emerging Performer: Top 16.7% in tier
- + Organic Growth Engine: Top 37.5% in tier
- + Organic Growth Leader: Top 37.5% in tier
- + ROA 0.48% above tier average
- + Net Interest Margin 0.91% above tier average
- + Total Members: Top 0.1% in tier
- + Members Per Employee (MPE): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6.2% in tier
- - Credit Quality Pressure: Bottom 9.4% in tier
- - Delinquency rate 0.88% above tier average
- - Average Member Relationship (AMR): Bottom 2.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
- - Fee Income Per Member: Bottom 5.1% in tier
- - Total Delinquency Rate (60+ days): 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 39 credit unions with $5B-$7B in assets nationally, and 1 of 2 that size in New York.
- Shares and deposits +12.0% year over year ($4.54B in shares and deposits).
- Membership: 651,236 members, +3.2% vs a year ago.
- Delinquency rate 1.66%.
- Return on assets 1.41%.
- Efficiency ratio 61.83% vs a 65.18% peer average.
- Loan-to-share ratio 75.09% vs a 85.64% 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 |
651,236
+3.2% YoY+1.6% QoQ
|
+340.3K |
310,918
+6.0% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 2.6% in tier |
| Assets |
$5.2B
+12.1% YoY+1.5% QoQ
|
$-611.6M |
$5.8B
-1.1% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
15% |
| Loans |
$3.4B
+18.7% YoY+4.5% QoQ
|
$-792.0M |
$4.2B
-0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.3% in tier |
| Deposits |
$4.5B
+12.0% YoY+1.4% QoQ
|
$-356.2M |
$4.9B
-1.3% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
1.4%
+40.5% YoY-13.0% QoQ
|
+0.5% |
0.9%
+35.3% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
82% |
| NIM |
4.1%
-2.8% YoY+1.6% QoQ
|
+0.9% |
3.2%
+9.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
85% |
| Efficiency Ratio |
61.8%
-11.2% YoY-0.9% QoQ
|
-3.3% |
65.2%
-9.0% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
33% |
| Delinquency Rate |
1.7%
+26.7% YoY+28.7% QoQ
|
+0.9 |
0.8%
+23.8% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.7% in tier |
| Loan To Share |
75.1%
+5.9% YoY+3.1% QoQ
|
-10.5% |
85.6%
-0.2% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$12,203
+11.2% YoY+1.1% QoQ
|
$-20K |
$32,010
-7.3% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.1% in tier |
| CD Concentration |
16.4%
+36.8% YoY+7.0% QoQ
|
-12.0% | 28.3% | 16.4% | 20.0% | Bottom 7.6% in tier |
| Indirect Auto % |
4.6%
-20.8% YoY-5.1% QoQ
|
-12.2% | 16.8% | 2.7% | 7.7% | 26% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)