BlastPoint's Credit Union Scorecard
BEGINNINGS
Charter #68322 · NY
BEGINNINGS has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 64.8% in tier
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 48.8% in tier
- - Stagnation Risk: Bottom 54.8% in tier
- - Indirect Auto Dependency: Bottom 70.8% in tier
- - Efficiency Drag: Bottom 95.5% in tier
- - ROA 0.04% below tier average
- - Efficiency ratio 5.99% above tier (higher cost structure)
- - Delinquency rate 0.09% above tier average
- - Member decline: -2.5% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,152
-2.5% YoY-2.5% QoQ
|
-22.3K |
97,431
-2.4% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$1.5B
+5.3% YoY+4.0% QoQ
|
$-211.6M |
$1.7B
+0.9% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$1.0B
+3.8% YoY-0.1% QoQ
|
$-184.8M |
$1.2B
+0.5% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$1.3B
+4.5% YoY+4.0% QoQ
|
$-174.1M |
$1.5B
+0.9% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
49% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+62.3% YoY-16.4% QoQ
|
-0.0% |
0.7%
+20.9% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
3.4%
+0.6% YoY-0.3% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
80.0%
-4.1% YoY+2.6% QoQ
|
+6.0% |
74.1%
-9.5% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
1.0%
-20.3% YoY+1.3% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
81.7%
-0.6% YoY-3.9% QoQ
|
-3.1% |
84.8%
-0.8% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$31,069
+6.9% YoY+4.7% QoQ
|
+$2K |
$29,428
+2.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
27.5%
+12.6% YoY+6.5% QoQ
|
-1.6% | 29.0% | 16.3% | 19.8% | 44% |
| Indirect Auto % |
18.3%
-7.1% YoY+1.6% QoQ
|
-0.0% | 18.3% | 2.6% | 7.8% | 55% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)