BlastPoint's Credit Union Scorecard
MUNICIPAL
Charter #60153 · NY
MUNICIPAL has 10 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 11.0% in tier
- + Organic Growth Leader: Top 24.5% in tier
- + Profitability Leader: Top 68.1% in tier
- + Wallet Share Momentum: Top 79.1% in tier
- + ROA 0.38% above tier average
- + Net Interest Margin 1.07% above tier average
- + Members Per Employee (MPE): Top 0.0% in tier
- + Total Members: Top 0.0% in tier
- + Share Certificate Concentration (%): Top 2.6% in tier
- + Total Deposits: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 0.0% in tier
- - Delinquency rate 0.60% 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-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
636,774
+2.0% YoY+0.9% QoQ
|
+398.3K |
238,465
+0.6% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Top 1.3% in tier |
| Assets |
$4.7B
+6.9% YoY+1.3% QoQ
|
+$708.4M |
$4.0B
-0.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Top 13.2% in tier |
| Loans |
$3.0B
+12.5% YoY+5.0% QoQ
|
$-3.1M |
$3.0B
+3.3% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$4.1B
+4.9% YoY+0.8% QoQ
|
+$751.8M |
$3.3B
+1.1% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Top 9.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
-41.4% YoY+11.9% QoQ
|
+0.4% |
0.7%
+5.3% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
4.3%
-0.9% YoY+0.8% QoQ
|
+1.1% |
3.2%
+13.7% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 6.6% in tier |
| Efficiency Ratio |
66.8%
+6.2% YoY-4.1% QoQ
|
-4.5% |
71.3%
-0.6% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
1.4%
-6.9% YoY+10.3% QoQ
|
+0.6 |
0.8%
+15.9% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 13.2% in tier |
| Loan To Share |
73.8%
+7.3% YoY+4.1% QoQ
|
-17.0% |
90.8%
+2.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.2% in tier |
| AMR |
$11,151
+5.8% YoY+1.6% QoQ
|
$-18K |
$29,088
+0.1% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.0% in tier |
| CD Concentration |
12.2%
+5.2% YoY+2.2% QoQ
|
-16.7% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
Bottom 3.9% in tier |
| Indirect Auto % |
5.5%
-17.1% YoY-5.8% QoQ
|
-13.3% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
26% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)