BlastPoint's Credit Union Scorecard

ONE CREDIT UNION OF NY

Charter #60716 · NY

100M-500M

1024 CUs in 100M-500M nationally 55 in NY

ONE CREDIT UNION OF NY has 5 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 0.52% above tier average
+ Net Interest Margin 0.19% above tier average
+ AMR Growth Rate: Top 4.7% in tier
+ Total Delinquency Rate (60+ days): Top 6.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Member decline: -8.2% YoY
- Total Loans: Bottom 2.9% in tier
- Member Growth Rate: Bottom 4.5% in tier
- Loan-to-Share Ratio: Bottom 5.4% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
Shares and deposits +4.6% year over year ($99.0M in shares and deposits).
Membership: 8,192 members, -8.2% vs a year ago.
Delinquency rate 0.12%.
Return on assets 1.38%.
Efficiency ratio 68.50% vs a 76.73% peer average.
Loan-to-share ratio 42.00% vs a 71.54% 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	8,192 -8.2% YoY+0.5% QoQ	-7.0K	15,168 -2.6% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	19%
Assets	$114.4M +5.8% YoY+2.3% QoQ	$-117.6M	$232.0M +0.7% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	Bottom 9.5% in tier
Loans	$41.6M +3.1% YoY+3.9% QoQ	$-104.7M	$146.3M +0.2% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	Bottom 2.8% in tier
Deposits	$99.0M +4.6% YoY+1.3% QoQ	$-101.7M	$200.7M +0.2% YoY	$431.4M +8.2% YoY	$504.8M +10.3% YoY	Bottom 9.9% in tier

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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	1.4% -0.0% YoY+22.5% QoQ	+0.5%	0.9% +12.5% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	84%
NIM	3.9% -2.1% YoY-0.1% QoQ	+0.2%	3.7% +4.5% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	64%
Efficiency Ratio	68.5% +4.1% YoY-4.3% QoQ	-8.2%	76.7% -0.8% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	23%
Delinquency Rate	0.1% +17.7% YoY-42.9% QoQ	-0.8	0.9% +6.6% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	Top 6.3% in tier
Loan To Share	42.0% -1.5% YoY+2.6% QoQ	-29.5%	71.5% -0.3% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	Bottom 5.3% in tier
AMR	$17,159 +13.5% YoY+1.6% QoQ	$-8K	$25,107 +3.2% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	17%
CD Concentration	13.7% +15.1% YoY+5.6% QoQ	-10.9%	24.6%	16.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#61 of 483 • 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): 13.49%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#58 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -8.20%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#289 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -8.20%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 3.10%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.12%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Credit Quality Pressure

risk

#646 of 693 • 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): 0.02% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Credit Risk Growth

risk

#447 of 472 • 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): 3.10%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 13.49%

Peer Median: 3.53%

#49 of 1024 Top 4.7% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.71%

#66 of 1024 Top 6.3% in 100M-500M tier

141

First Mortgage Concentration (%)

balance_sheet

Value: 11.00%

Peer Median: 29.92%

#141 of 1024 Top 13.7% in 100M-500M tier

165

Return on Assets (ROA)

profitability

Value: 1.38%

Peer Median: 0.75%

#165 of 1024 Top 16.0% in 100M-500M tier

182

Share Certificate Concentration (%)

balance_sheet

Value: 13.66%

Peer Median: 23.39%

#182 of 1024 Top 17.7% in 100M-500M tier

212

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.34%

#212 of 1024 Top 20.6% in 100M-500M tier

221

Members Per Employee (MPE)

engagement

Value: 390.095

Peer Median: 310.924

#221 of 1024 Top 21.5% in 100M-500M tier

232

Efficiency Ratio

profitability

Value: 68.50%

Peer Median: 77.26%

#232 of 1024 Top 22.6% in 100M-500M tier

Top Weaknesses (8 metrics)

995

Total Loans

balance_sheet

Value: $41.58M

Peer Median: $124.04M

#995 of 1024 Bottom 2.9% in 100M-500M tier

979

Member Growth Rate

growth

Value: -8.20%

Peer Median: -0.03%

#979 of 1024 Bottom 4.5% in 100M-500M tier

970

Loan-to-Share Ratio

balance_sheet

Value: 42.00%

Peer Median: 73.07%

#970 of 1024 Bottom 5.4% in 100M-500M tier

962

Loan-to-Member Ratio (LMR)

engagement

Value: $5,075

Peer Median: $9,434

#962 of 1024 Bottom 6.2% in 100M-500M tier

927

Total Assets

balance_sheet

Value: $114.38M

Peer Median: $196.38M

#927 of 1024 Bottom 9.6% in 100M-500M tier

923

Total Deposits

balance_sheet

Value: $98.99M

Peer Median: $170.77M

#923 of 1024 Bottom 10.0% in 100M-500M tier

851

Average Member Relationship (AMR)

engagement

Value: $17,159

Peer Median: $23,006

#851 of 1024 Bottom 17.0% in 100M-500M tier

825

Total Members

engagement

Value: 8,192

Peer Median: 13,128

#825 of 1024 Bottom 19.5% in 100M-500M tier