ONE CREDIT UNION OF NY
Charter #60716 | NY
100M-500M
(1077 CUs)
Micro
($0-$500M)
52 100M-500M in NY
ONE CREDIT UNION OF NY has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 14.8% in tier
- + Emerging Performer: Top 15.0% in tier
- + Relationship Depth Leader: Top 24.8% in tier
- + ROA 0.55% above tier average
- + Net Interest Margin 0.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 2.9% in tier
- - Margin Compression: Bottom 7.4% in tier
- - Credit Quality Pressure: Bottom 9.3% in tier
- - Liquidity Overhang: Bottom 10.8% in tier
- - Stagnation Risk: Bottom 14.1% in tier
- - Growth-at-Risk: Bottom 18.6% in tier
- - Membership Headwinds: Bottom 20.7% in tier
- - Total Loans: Bottom 2.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.9% in tier
- - Total Assets: Bottom 5.5% in tier
- - Total Deposits: Bottom 5.5% in tier
- - Loan-to-Share Ratio: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,946
-1.8% YoY+0.2% QoQ
|
-6.7K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 22.2% in tier |
| Assets |
$107.6M
+5.2% YoY-0.5% QoQ
|
$-123.7M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.4% in tier |
| Loans |
$42.2M
+2.3% YoY+4.6% QoQ
|
$-105.6M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.5% in tier |
| Deposits |
$93.5M
+4.4% YoY-1.2% QoQ
|
$-106.8M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.4% in tier |
| ROA |
1.3%
-30.1% YoY-3.0% QoQ
|
+0.6% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 16.2% in tier |
| NIM |
4.0%
-4.9% YoY+0.2% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
71st in tier |
| Efficiency Ratio |
68.5%
+22.5% YoY+4.1% QoQ
|
-8.8% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 22.2% in tier |
| Delinquency Rate |
0.5%
+171.2% YoY+415.0% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
40th in tier |
| Loan To Share |
45.1%
-2.0% YoY+5.8% QoQ
|
-27.6% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.4% in tier |
| AMR |
$15,161
+5.7% YoY+0.3% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.4% in tier |
| CD Concentration |
12.7%
+52.0% YoY+7.5% QoQ
|
-11.7% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growth
#409 of 1006 • Top 14.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
5.66%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Emerging Performer
growth
#282 of 627 • Top 15.0% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.34%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.84%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#683 of 1006 • Top 24.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
5.66%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.0K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (7)
Cost Spiral
risk
#8 of 62 • Bottom 2.9% in tier
Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Why This Signature
Efficiency Ratio Change:
12.59% points
(Tier:
-2.84% points, National:
-1.81% points)
Efficiency Ratio (Prior Year):
-
(Tier: -, National: -)
Total Assets:
$107.61M
(Tier: $231.30M, National: $547.69M)
62 of 1077 Community CUs have this signature
| 80 nationally
↓ Shrinking
-38 CUs YoY
|
New qualifier
Margin Compression
decline
#32 of 136 • Bottom 7.4% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.34%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.58% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$107.61M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#231 of 736 • Bottom 9.3% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.34% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#168 of 552 • Bottom 10.8% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
13.12%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
45.11%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
New qualifier
Stagnation Risk
risk
#233 of 550 • Bottom 14.1% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
1.34%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.84%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$15.2K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
12.75%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Growth-at-Risk
risk
#279 of 446 • Bottom 18.6% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
2.31%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.34% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#342 of 550 • Bottom 20.7% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.84%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
143
First Mortgage Concentration (%)
balance_sheet
Value:
10.57%
Peer Avg: 30.43%
#143 of 1077
Top 13.2% in 100M-500M tier
175
Return on Assets (ROA)
profitability
Value:
1.34%
Peer Avg: 0.79%
#175 of 1077
Top 16.2% in 100M-500M tier
181
Share Certificate Concentration (%)
balance_sheet
Value:
12.75%
Peer Avg: 23.61%
#181 of 1077
Top 16.7% in 100M-500M tier
196
Members Per Employee (MPE)
engagement
Value:
406.636
Peer Avg: 332.881
#196 of 1077
Top 18.1% in 100M-500M tier
240
Efficiency Ratio
profitability
Value:
68.46%
Peer Avg: 77.28%
#240 of 1077
Top 22.2% in 100M-500M tier
Top Weaknesses (8 metrics)
1050
Total Loans
balance_sheet
Value:
$42.17M
Peer Avg: $147.80M
#1050 of 1077
Bottom 2.6% in 100M-500M tier
1025
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,713
Peer Avg: $10,245
#1025 of 1077
Bottom 4.9% in 100M-500M tier
1019
Total Assets
balance_sheet
Value:
$107.61M
Peer Avg: $231.30M
#1019 of 1077
Bottom 5.5% in 100M-500M tier
1019
Total Deposits
balance_sheet
Value:
$93.46M
Peer Avg: $200.29M
#1019 of 1077
Bottom 5.5% in 100M-500M tier
1008
Loan-to-Share Ratio
balance_sheet
Value:
45.11%
Peer Avg: 72.70%
#1008 of 1077
Bottom 6.5% in 100M-500M tier
965
Average Member Relationship (AMR)
engagement
Value:
$15,161
Peer Avg: $24,363
#965 of 1077
Bottom 10.5% in 100M-500M tier
866
Fee Income Per Member
profitability
Value:
$109.31
Peer Avg: $174.31
#866 of 1077
Bottom 19.7% in 100M-500M tier
838
Total Members
engagement
Value:
8,946
Peer Avg: 15,628
#838 of 1077
Bottom 22.3% in 100M-500M tier