BlastPoint's Credit Union Scorecard

ONE CREDIT UNION OF NY

Charter #60716 · NY

1077 CUs in 100M-500M nationally 52 in NY

ONE CREDIT UNION OF NY has 5 strengths but faces 11 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

+ Profitability Leader: Top 61.1% in tier
+ Wallet Share Momentum: Top 85.0% 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
- Stagnation Risk: Bottom 14.1% in tier
- Credit Risk Growth: 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	22%
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

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	1.3% -30.1% YoY-3.0% QoQ	+0.6%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	84%
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	71%
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	22%
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	40%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#208 of 340 • Top 61.1% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.34%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.58% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#409 of 481 • Top 85.0% in tier

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

Why This Signature

AMR Growth (YoY): 5.66%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (6)

Cost Spiral

risk

#8 of 62 • Bottom 2.9% 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: 12.59% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 53.10%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

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

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: 1.34%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.92%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.58% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

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)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Stagnation Risk

risk

#233 of 550 • Bottom 14.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.84%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 2.31%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.53%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Risk Growth

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: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.34% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

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%)

worse than tier avg

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

143

First Mortgage Concentration (%)

balance_sheet

Value: 10.57%

Peer Avg: -

#143 of 1077 Top 13.2% in 100M-500M tier

175

Return on Assets (ROA)

profitability

Value: 1.34%

Peer Avg: -

#175 of 1077 Top 16.2% in 100M-500M tier

181

Share Certificate Concentration (%)

balance_sheet

Value: 12.75%

Peer Avg: -

#181 of 1077 Top 16.7% in 100M-500M tier

196

Members Per Employee (MPE)

engagement

Value: 406.636

Peer Avg: -

#196 of 1077 Top 18.1% in 100M-500M tier

240

Efficiency Ratio

profitability

Value: 68.46%

Peer Avg: -

#240 of 1077 Top 22.2% in 100M-500M tier

Top Weaknesses (8 metrics)

1050

Total Loans

balance_sheet

Value: $42.17M

Peer Avg: -

#1050 of 1077 Bottom 2.6% in 100M-500M tier

1025

Loan-to-Member Ratio (LMR)

engagement

Value: $4,713

Peer Avg: -

#1025 of 1077 Bottom 4.9% in 100M-500M tier

1019

Total Assets

balance_sheet

Value: $107.61M

Peer Avg: -

#1019 of 1077 Bottom 5.5% in 100M-500M tier

1019

Total Deposits

balance_sheet

Value: $93.46M

Peer Avg: -

#1019 of 1077 Bottom 5.5% in 100M-500M tier

1008

Loan-to-Share Ratio

balance_sheet

Value: 45.11%

Peer Avg: -

#1008 of 1077 Bottom 6.5% in 100M-500M tier

965

Average Member Relationship (AMR)

engagement

Value: $15,161

Peer Avg: -

#965 of 1077 Bottom 10.5% in 100M-500M tier

866

Fee Income Per Member

profitability

Value: $109.31

Peer Avg: -

#866 of 1077 Bottom 19.7% in 100M-500M tier

838

Total Members

engagement

Value: 8,946

Peer Avg: -

#838 of 1077 Bottom 22.3% in 100M-500M tier