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BlastPoint's Credit Union Scorecard

STAMFORD HEALTHCARE

Charter #66002 · CT

<100M
2437 CUs in <100M nationally 43 in CT

STAMFORD HEALTHCARE has 1 strength but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Charge-Off Rate: Top 5.2% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.80% below tier average
  • - Member decline: -4.1% YoY
  • - Loan-to-Share Ratio: Bottom 4.6% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Connecticut.
  • Shares and deposits -2.4% year over year ($20.4M in shares and deposits).
  • Membership: 2,139 members, -4.1% vs a year ago.
  • Delinquency rate 1.42%.
  • Return on assets 0.69%.
  • Efficiency ratio 84.47% vs a 88.77% peer average.
  • Loan-to-share ratio 18.30% vs a 58.89% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 2,139
-4.1% YoY-1.5% QoQ
-446 2,585
-1.7% YoY
14,203
+5.8% YoY
34,678
+6.6% YoY
55%
Assets $23.4M
-1.5% YoY-1.8% QoQ
$-6.9M $30.3M
+1.5% YoY
$248.5M
+12.0% YoY
$593.1M
+10.2% YoY
52%
Loans $3.7M
-5.8% YoY-3.0% QoQ
$-11.7M $15.5M
-1.7% YoY
$139.3M
+11.4% YoY
$418.6M
+10.1% YoY
28%
Deposits $20.4M
-2.4% YoY-2.3% QoQ
$-5.4M $25.8M
+1.1% YoY
$217.7M
+11.5% YoY
$504.8M
+10.3% YoY
53%

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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 0.7%
+26.3% YoY-2.4% QoQ
-0.8% 1.5%
+241.5% YoY
1.1%
+193.3% YoY
1.2%
+121.4% YoY
44%
NIM 3.2%
+11.4% YoY+3.1% QoQ
-0.7% 3.9%
+0.9% YoY
3.6%
-1.0% YoY
3.8%
+2.3% YoY
23%
Efficiency Ratio 84.5%
-2.6% YoY+0.9% QoQ
-4.3% 88.8%
-6.9% YoY
90.9%
-27.8% YoY
83.0%
-5.3% YoY
60%
Delinquency Rate 1.4%
+40.7% YoY+33.7% QoQ
-0.1 1.5%
+2.1% YoY
1.4%
+21.8% YoY
1.3%
+2.6% YoY
70%
Loan To Share 18.3%
-3.5% YoY-0.7% QoQ
-40.6% 58.9%
-3.1% YoY
53.6%
-1.6% YoY
66.4%
-1.4% YoY
Bottom 4.4% in tier
AMR $11,290
+1.3% YoY-0.9% QoQ
$-4K $14,963
-6.8% YoY
$17,514
+4.9% YoY
$20,028
-0.9% YoY
35%
CD Concentration 1.5%
-23.5% YoY-16.1% QoQ
-23.0% 24.6% 14.9% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 4.3% 7.7% 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)

Comparing against 2437 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2437 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.59%
#1 of 2437 Top 0.1% in <100M tier
128
Net Charge-Off Rate
risk
Value: -0.14%
Peer Median: 0.18%
#128 of 2437 Top 5.2% in <100M tier
383
Fee Income Per Member
profitability
Value: $139.80
Peer Median: $63.89
#383 of 2437 Top 15.7% in <100M tier
562
Members Per Employee (MPE)
engagement
Value: 427.800
Peer Median: 328.333
#562 of 2437 Top 23.0% in <100M tier

Top Weaknesses (4 metrics)

2327
Loan-to-Share Ratio
balance_sheet
Value: 18.30%
Peer Median: 58.67%
#2327 of 2437 Bottom 4.6% in <100M tier
2170
Loan-to-Member Ratio (LMR)
engagement
Value: $1,747
Peer Median: $4,937
#2170 of 2437 Bottom 11.0% in <100M tier
1887
Member Growth Rate
growth
Value: -4.12%
Peer Median: -1.37%
#1887 of 2437 Bottom 22.6% in <100M tier
1869
Net Interest Margin (NIM)
profitability
Value: 3.20%
Peer Median: 3.87%
#1869 of 2437 Bottom 23.3% in <100M tier
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