BlastPoint's Credit Union Scorecard

ONE CREDIT UNION OF NY

Charter #60716 · NY

100M-500M

1069 CUs in 100M-500M nationally 54 in NY

ONE CREDIT UNION OF NY has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.39% above tier average
+ Net Interest Margin 0.35% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Total Loans: Bottom 2.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
- Loan-to-Share Ratio: Bottom 5.6% in tier
- Total Assets: Bottom 6.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	8,998 -0.2% YoY+0.6% QoQ	-6.4K	15,437 -2.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	23%
Assets	$110.1M +6.2% YoY+2.3% QoQ	$-121.8M	$231.9M +1.3% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	Bottom 6.7% in tier
Loans	$41.5M +2.5% YoY-1.6% QoQ	$-105.8M	$147.3M -0.1% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	Bottom 2.6% in tier
Deposits	$95.7M +6.4% YoY+2.4% QoQ	$-105.1M	$200.8M +0.8% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	Bottom 6.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% -23.2% YoY-14.2% QoQ	+0.4%	0.8% +18.2% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	77%
NIM	4.0% +6.5% YoY-0.3% QoQ	+0.4%	3.6% +6.7% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	70%
Efficiency Ratio	70.2% +13.3% YoY+2.5% QoQ	-6.9%	77.0% -3.1% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	26%
Delinquency Rate	0.5% +239.2% YoY-5.0% QoQ	-0.4	0.9% +4.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	33%
Loan To Share	43.4% -3.7% YoY-3.8% QoQ	-28.8%	72.2% -1.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	Bottom 5.5% in tier
AMR	$15,246 +5.4% YoY+0.6% QoQ	$-9K	$24,676 +3.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	Bottom 10.5% in tier
CD Concentration	11.9% +18.7% YoY-6.5% QoQ	-12.5%	24.4%	16.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#473 of 513 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 5.40%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#203 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Margin Compression

decline

#49 of 123 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.15%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.50%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.35% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Cost Spiral

risk

#21 of 46 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 8.24% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 58.35%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Credit Risk Growth

risk

#272 of 456 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 2.52%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

142

First Mortgage Concentration (%)

balance_sheet

Value: 10.55%

Peer Median: -

#142 of 1069 Top 13.2% in 100M-500M tier

148

Share Certificate Concentration (%)

balance_sheet

Value: 11.92%

Peer Median: -

#148 of 1069 Top 13.8% in 100M-500M tier

184

Members Per Employee (MPE)

engagement

Value: 409.000

Peer Median: -

#184 of 1069 Top 17.1% in 100M-500M tier

244

Return on Assets (ROA)

profitability

Value: 1.15%

Peer Median: -

#244 of 1069 Top 22.7% in 100M-500M tier

Top Weaknesses (8 metrics)

1041

Total Loans

balance_sheet

Value: $41.51M

Peer Median: -

#1041 of 1069 Bottom 2.7% in 100M-500M tier

1028

Loan-to-Member Ratio (LMR)

engagement

Value: $4,613

Peer Median: -

#1028 of 1069 Bottom 3.9% in 100M-500M tier

1010

Loan-to-Share Ratio

balance_sheet

Value: 43.39%

Peer Median: -

#1010 of 1069 Bottom 5.6% in 100M-500M tier

997

Total Assets

balance_sheet

Value: $110.05M

Peer Median: -

#997 of 1069 Bottom 6.8% in 100M-500M tier

997

Total Deposits

balance_sheet

Value: $95.67M

Peer Median: -

#997 of 1069 Bottom 6.8% in 100M-500M tier

957

Average Member Relationship (AMR)

engagement

Value: $15,246

Peer Median: -

#957 of 1069 Bottom 10.6% in 100M-500M tier

869

Fee Income Per Member

profitability

Value: $108.73

Peer Median: -

#869 of 1069 Bottom 18.8% in 100M-500M tier

819

Total Members

engagement

Value: 8,998

Peer Median: -

#819 of 1069 Bottom 23.5% in 100M-500M tier