BlastPoint's Credit Union Scorecard
STEUBEN CITIZENS
Charter #6225 · NY
STEUBEN CITIZENS demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.35% above tier average
- + Loan Growth Rate: Top 2.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,575
+0.8% YoY+0.4% QoQ
|
-101 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$35.8M
+2.5% YoY+2.8% QoQ
|
+$5.6M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$9.2M
+22.3% YoY+2.9% QoQ
|
$-6.1M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$30.5M
+1.9% YoY+0.7% QoQ
|
+$4.7M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
65% |
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| ROA |
0.5%
-22.7% YoY-43.5% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
45% |
| NIM |
3.1%
+19.8% YoY+7.3% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
73.0%
-4.8% YoY+1.7% QoQ
|
-17.6% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
0.2%
-82.9% YoY
|
-1.3 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
30.1%
+20.0% YoY+2.2% QoQ
|
-28.4% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.6% in tier |
| AMR |
$15,386
+5.1% YoY+0.9% QoQ
|
+$502 |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration |
7.4%
+6.3% YoY+0.4% QoQ
|
-16.9% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)