BlastPoint's Credit Union Scorecard

MUNICIPAL

Charter #60153 · NY

Large 5B-7B
37 CUs in 5B-7B nationally 2 in NY
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MUNICIPAL has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 9.1% in tier
  • + Wallet Share Momentum: Top 10.9% in tier
  • + Organic Growth Engine: Top 51.6% in tier
  • + Organic Growth Leader: Top 51.6% in tier
  • + ROA 0.77% above tier average
  • + Net Interest Margin 0.90% 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 42.2% in tier
  • - Delinquency rate 0.59% above tier average
  • - Average Member Relationship (AMR): Bottom 2.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.7% in tier
  • - Total Delinquency Rate (60+ days): Bottom 8.1% in tier
  • - Total Loans: Bottom 8.1% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 640,990
+2.6% YoY+1.5% QoQ
 +333.2K 307,793
+7.6% YoY
 27,572
+9.2% YoY
 33,913
+5.7% YoY
 Top 2.7% in tier
Assets $5.1B
+10.8% YoY+4.1% QoQ
 $-667.7M $5.8B
-0.2% YoY
 $497.6M
+8.1% YoY
 $578.3M
+9.0% YoY
 Bottom 8.1% in tier
Loans $3.3B
+17.4% YoY+4.2% QoQ
 $-894.5M $4.2B
+0.4% YoY
 $329.7M
+7.8% YoY
 $402.4M
+8.7% YoY
 Bottom 5.4% in tier
Deposits $4.5B
+10.1% YoY+4.5% QoQ
 $-419.9M $4.9B
+0.2% YoY
 $425.1M
+7.9% YoY
 $494.3M
+9.1% YoY
 19%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.6%
+18.9% YoY+43.8% QoQ
 +0.8% 0.9%
+47.0% YoY
 0.7%
-43.8% YoY
 0.4%
-39.2% YoY
 Top 10.8% in tier
NIM 4.1%
-3.1% YoY-3.1% QoQ
 +0.9% 3.2%
+9.8% YoY
 3.5%
-2.6% YoY
 3.8%
+4.1% YoY
 84%
Efficiency Ratio 62.4%
-1.2% YoY-6.0% QoQ
 -4.2% 66.6%
-11.0% YoY
 81.8%
+0.3% YoY
 84.6%
+2.8% YoY
 30%
Delinquency Rate 1.3%
+2.7% YoY-18.2% QoQ
 +0.6 0.7%
+23.3% YoY
 1.5%
-10.1% YoY
 1.2%
+3.4% YoY
 Bottom 8.1% in tier
Loan To Share 72.8%
+6.6% YoY-0.3% QoQ
 -11.9% 84.7%
-0.7% YoY
 58.9%
-2.1% YoY
 65.6%
-1.4% YoY
 16%
AMR $12,069
+10.2% YoY+2.8% QoQ
 $-20K $32,237
-7.3% YoY
 $19,395
-21.8% YoY
 $19,920
+1.6% YoY
 Bottom 0.1% in tier
CD Concentration 15.3%
+25.2% YoY+12.3% QoQ
 -13.3% 28.6% 16.4% 19.8% Bottom 7.6% in tier
Indirect Auto % 4.9%
-21.9% YoY-6.0% QoQ
 -11.5% 16.4% 2.6% 7.7% 26%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#7 of 22 • Top 51.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.57%
(Tier: 4.32%, National: 10.19%)
but worse than tier avg
Return on Assets: 1.62%
(Tier: 0.90%, National: 0.39%)
better than tier avg
Indirect Auto %: 4.87%
(Tier: 16.37%, National: 7.73%)
better than tier avg
22 of 66 Large CUs have this signature | 499 nationally
→ No prior data (22 CUs now) | New qualifier

Emerging Performer

growth
#8 of 18 • Top 9.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 1.62%
(Tier: 0.90%, National: 0.39%)
better than tier avg
Member Growth (YoY): 2.57%
(Tier: 4.32%, National: 10.19%)
but worse than tier avg
18 of 66 Large CUs have this signature | 260 nationally
→ No prior data (18 CUs now) | New qualifier

Wallet Share Momentum

growth
#7 of 15 • Top 10.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 10.24%
(Tier: 4.10%, National: 6.36%)
better than tier avg
15 of 66 Large CUs have this signature | 637 nationally
→ Stable (12→15 CUs) +3 CUs YoY | New qualifier

Organic Growth Leader

growth
#14 of 22 • Top 51.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.57%
(Tier: 4.32%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 4.87%
(Tier: 16.37%, National: 7.73%)
better than tier avg
22 of 66 Large CUs have this signature | 518 nationally
→ No prior data (22 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk
#10 of 35 • Bottom 6.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 17.39%
(Tier: 7.53%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
35 of 66 Large CUs have this signature | 710 nationally
→ No prior data (35 CUs now) | New qualifier

Credit Quality Pressure

risk
#27 of 42 • Bottom 42.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
42 of 66 Large CUs have this signature | 1013 nationally
→ Stable (39→42 CUs) +3 CUs YoY | New qualifier

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)

Comparing against 37 peers in tier

Top Strengths (10 metrics)

1
Total Members
engagement
Value: 640,990
Peer Median: 298,815
#1 of 37 Top 0.1% in 5B-7B tier
1
Members Per Employee (MPE)
engagement
Value: 927.627
Peer Median: 416.780
#1 of 37 Top 0.1% in 5B-7B tier
2
Loan Growth Rate
growth
Value: 17.39%
Peer Median: 4.82%
#2 of 37 Top 2.7% in 5B-7B tier
3
AMR Growth Rate
growth
Value: 10.24%
Peer Median: 2.98%
#3 of 37 Top 5.4% in 5B-7B tier
3
Share Certificate Concentration (%)
balance_sheet
Value: 15.29%
Peer Median: 29.06%
#3 of 37 Top 5.4% in 5B-7B tier
4
Return on Assets (ROA)
profitability
Value: 1.62%
Peer Median: 0.75%
#4 of 37 Top 8.1% in 5B-7B tier
6
Net Interest Margin (NIM)
profitability
Value: 4.05%
Peer Median: 3.16%
#6 of 37 Top 13.5% in 5B-7B tier
7
Asset Growth Rate
growth
Value: 10.81%
Peer Median: 7.02%
#7 of 37 Top 16.2% in 5B-7B tier
8
Deposit Growth Rate
growth
Value: 10.11%
Peer Median: 7.47%
#8 of 37 Top 18.9% in 5B-7B tier
9
Net Worth Ratio
risk
Value: 11.93%
Peer Median: 10.38%
#9 of 37 Top 21.6% in 5B-7B tier

Top Weaknesses (10 metrics)

37
Average Member Relationship (AMR)
engagement
Value: $12,069
Peer Median: $29,948
#37 of 37 Bottom 2.7% in 5B-7B tier
37
Loan-to-Member Ratio (LMR)
engagement
Value: $5,087
Peer Median: $13,954
#37 of 37 Bottom 2.7% in 5B-7B tier
35
Total Delinquency Rate (60+ days)
risk
Value: 1.29%
Peer Median: 0.65%
#35 of 37 Bottom 8.1% in 5B-7B tier
35
Total Loans
balance_sheet
Value: $3.26B
Peer Median: $4.22B
#35 of 37 Bottom 8.1% in 5B-7B tier
34
Fee Income Per Member
profitability
Value: $131.15
Peer Median: $194.06
#34 of 37 Bottom 10.8% in 5B-7B tier
34
Total Assets
balance_sheet
Value: $5.10B
Peer Median: $5.68B
#34 of 37 Bottom 10.8% in 5B-7B tier
31
Net Charge-Off Rate
risk
Value: 1.11%
Peer Median: 0.58%
#31 of 37 Bottom 18.9% in 5B-7B tier
31
Loan-to-Share Ratio
balance_sheet
Value: 72.85%
Peer Median: 88.96%
#31 of 37 Bottom 18.9% in 5B-7B tier
31
First Mortgage Concentration (%)
balance_sheet
Value: 50.17%
Peer Median: 35.35%
#31 of 37 Bottom 18.9% in 5B-7B tier
30
Total Deposits
balance_sheet
Value: $4.48B
Peer Median: $4.75B
#30 of 37 Bottom 21.6% in 5B-7B tier
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