BlastPoint's Credit Union Scorecard
MUNICIPAL
Charter #60153 · NY
MUNICIPAL has 11 strengths but faces 4 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
- + Organic Growth Engine: Top 27.6% in tier
- + Wallet Share Momentum: Top 39.3% in tier
- + Organic Growth Leader: Top 68.8% in tier
- + ROA 0.42% above tier average
- + Net Interest Margin 1.05% above tier average
- + Total Assets: Top 0.0% in tier
- + Total Members: Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.0% in tier
- + Total Deposits: Top 1.3% in tier
- + Share Certificate Concentration (%): Top 2.6% in tier
- + AMR Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 5.6% in tier
- - Delinquency rate 0.70% above tier average
- - Average Member Relationship (AMR): Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
631,649
+2.2% YoY-0.8% QoQ
|
+401.3K |
230,353
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 1.3% in tier |
| Assets |
$4.9B
+9.2% YoY+4.7% QoQ
|
+$958.0M |
$3.9B
+0.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 1.3% in tier |
| Loans |
$3.1B
+14.2% YoY+3.8% QoQ
|
+$195.3M |
$2.9B
-0.2% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$4.3B
+8.9% YoY+4.9% QoQ
|
+$973.6M |
$3.3B
-0.3% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 2.6% in tier |
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| ROA |
1.1%
-32.7% YoY+0.5% QoQ
|
+0.4% |
0.7%
+16.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
4.2%
-1.7% YoY-2.1% QoQ
|
+1.0% |
3.1%
+9.8% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 6.6% in tier |
| Efficiency Ratio |
66.4%
+3.4% YoY-0.6% QoQ
|
-5.0% |
71.4%
-1.4% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
1.6%
-7.6% YoY+9.0% QoQ
|
+0.7 |
0.9%
+5.8% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 11.8% in tier |
| Loan To Share |
73.1%
+4.9% YoY-1.0% QoQ
|
-15.9% |
88.9%
-0.2% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.8% in tier |
| AMR |
$11,739
+8.7% YoY+5.3% QoQ
|
$-18K |
$29,682
+1.5% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.0% in tier |
| CD Concentration |
13.6%
+11.5% YoY+11.3% QoQ
|
-15.4% | 29.0% | 16.3% | 19.8% | Bottom 4.8% in tier |
| Indirect Auto % |
5.2%
-19.6% YoY-5.7% QoQ
|
-13.1% | 18.3% | 2.6% | 7.8% | 25% |
Signature Analysis
Strengths (3)
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 (<20%). Healthy, sustainable growth model.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)