BlastPoint's Credit Union Scorecard

STEUBEN CITIZENS

Charter #6225 · NY

2596 CUs in <100M nationally 188 in NY

STEUBEN CITIZENS has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.11% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan Growth Rate: Top 2.0% in tier

Key Concerns

Areas that may need attention

- Loan-to-Share Ratio: Bottom 9.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	2,565 -1.6% YoY+0.1% QoQ	-60	2,625 -2.2% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	61%
Assets	$34.9M -0.5% YoY+0.3% QoQ	+$5.0M	$29.9M +1.1% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	65%
Loans	$8.7M +23.8% YoY+4.2% QoQ	$-7.0M	$15.8M -2.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	47%
Deposits	$30.0M -2.3% YoY-1.2% QoQ	+$4.5M	$25.5M +0.4% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	65%

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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	0.8% -312.1% YoY+48.4% QoQ	+0.1%	0.7% -731.4% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	52%
NIM	2.8% +65.0% YoY+5.1% QoQ	-1.1%	3.9% +3.8% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	Bottom 13.7% in tier
Efficiency Ratio	72.8% -33.7% YoY-5.6% QoQ	-8.6%	81.4% -2.4% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	37%
Delinquency Rate	0.0% -75.0% YoY-72.1% QoQ	-1.5	1.5% -2.0% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	Bottom 13.2% in tier
Loan To Share	29.2% +26.7% YoY+5.4% QoQ	-32.1%	61.2% -3.0% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	Bottom 9.4% in tier
AMR	$15,093 +4.3% YoY-0.1% QoQ	+$467	$14,627 -2.7% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	58%
CD Concentration	7.3% -47.2% YoY+2.5% QoQ	-17.1%	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 (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

Loan Growth Rate

growth

Value: 23.75%

Peer Avg: -

#54 of 2596 Top 2.0% in <100M tier

343

Total Delinquency Rate (60+ days)

risk

Value: 0.01%

Peer Avg: -

#343 of 2596 Top 13.2% in <100M tier

632

Members Per Employee (MPE)

engagement

Value: 427.500

Peer Avg: -

#632 of 2596 Top 24.3% in <100M tier

Top Weaknesses (2 metrics)

2349

Loan-to-Share Ratio

balance_sheet

Value: 29.17%

Peer Avg: -

#2349 of 2596 Bottom 9.6% in <100M tier

2241

Net Interest Margin (NIM)

profitability

Value: 2.83%

Peer Avg: -

#2241 of 2596 Bottom 13.7% in <100M tier