BlastPoint's Credit Union Scorecard

BEGINNINGS

Charter #68322 · NY

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 12 in NY

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BEGINNINGS has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 30.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 2.3% in tier
- Indirect Auto Dependency: Bottom 65.5% in tier
- Membership Headwinds: Bottom 86.1% in tier
- Stagnation Risk: Bottom 86.1% in tier
- ROA 0.63% below tier average
- Efficiency ratio 18.32% above tier (higher cost structure)
- Member decline: -2.2% YoY
- Fee Income Per Member: Bottom 7.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	75,357 -2.2% YoY+0.3% QoQ	-20.7K	96,048 -2.7% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	36%
Assets	$1.5B +3.5% YoY-0.4% QoQ	$-214.0M	$1.7B +0.4% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	49%
Loans	$1.0B +3.3% YoY-0.2% QoQ	$-166.6M	$1.2B +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	44%
Deposits	$1.3B +2.8% YoY-0.3% QoQ	$-183.7M	$1.5B +0.5% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	47%

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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	0.1% -60.6% YoY-86.6% QoQ	-0.6%	0.7% +27.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Bottom 6.2% in tier
NIM	3.3% +0.0% YoY-4.2% QoQ	-0.1%	3.4% +6.2% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	93.0% +4.9% YoY+16.1% QoQ	+18.3%	74.6% -3.0% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Bottom 2.3% in tier
Delinquency Rate	0.6% -29.5% YoY-38.4% QoQ	-0.2	0.8% +6.9% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	46%
Loan To Share	81.7% +0.4% YoY+0.0% QoQ	-1.5%	83.2% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	39%
AMR	$30,907 +5.4% YoY-0.5% QoQ	+$1K	$29,652 +2.3% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	63%
CD Concentration	27.6% +11.1% YoY+0.5% QoQ	-1.2%	28.8%	16.4%	19.8%	45%
Indirect Auto %	18.1% -4.8% YoY-1.0% QoQ	+0.0%	18.1%	2.6%	7.7%	56%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#114 of 125 • Top 30.0% in tier

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

Why This Signature

AMR Growth (YoY): 5.36%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#11 of 100 • Bottom 2.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 92.96%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -2.22%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY

Membership Headwinds

decline

#54 of 91 • Bottom 86.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.22%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#56 of 91 • Bottom 86.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.22%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.27%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.60%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Indirect Auto Dependency

risk

#161 of 198 • Bottom 65.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.55%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 18.12%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.22%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

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 306 peers in tier

Top Strengths (1 metrics)

Net Worth Ratio

risk

Value: 13.69%

Peer Median: 10.85%

#39 of 306 Top 12.4% in 1B-3B tier

Top Weaknesses (5 metrics)

300

Efficiency Ratio

profitability

Value: 92.96%

Peer Median: 75.16%

#300 of 306 Bottom 2.3% in 1B-3B tier

287

Return on Assets (ROA)

profitability

Value: 0.09%

Peer Median: 0.66%

#287 of 306 Bottom 6.5% in 1B-3B tier

283

Fee Income Per Member

profitability

Value: $106.36

Peer Median: $191.54

#283 of 306 Bottom 7.8% in 1B-3B tier

262

First Mortgage Concentration (%)

balance_sheet

Value: 49.45%

Peer Median: 33.05%

#262 of 306 Bottom 14.7% in 1B-3B tier

260

Member Growth Rate

growth

Value: -2.22%

Peer Median: 2.03%

#260 of 306 Bottom 15.4% in 1B-3B tier