BlastPoint's Credit Union Scorecard
EMPIRE ONE
Charter #613 · NY
EMPIRE ONE has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Fee Income Per Member: Top 2.7% in tier
- + Total Deposits: Top 7.2% in tier
- + Total Assets: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,062
-3.4% YoY-0.5% QoQ
|
+2.4K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Top 13.5% in tier |
| Assets |
$77.7M
+0.3% YoY+0.9% QoQ
|
+$47.9M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Top 8.4% in tier |
| Loans |
$32.2M
+4.2% YoY-0.3% QoQ
|
+$16.4M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$69.0M
+0.0% YoY+0.0% QoQ
|
+$43.5M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Top 7.2% in tier |
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| ROA |
0.7%
+275.6% YoY-305.4% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
49% |
| NIM |
2.9%
+1.5% YoY+3.7% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.2% in tier |
| Efficiency Ratio |
77.5%
-17.7% YoY-23.0% QoQ
|
-3.9% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.6%
+195.6% YoY+7.9% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
46.6%
+4.2% YoY-0.4% QoQ
|
-14.6% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$19,982
+4.9% YoY+0.4% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
79% |
| CD Concentration |
0.4%
-19.9% YoY-16.4% QoQ
|
-24.0% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.1%
-72.5% YoY-30.9% QoQ
|
-13.8% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)