BlastPoint's Credit Union Scorecard
BEGINNINGS
Charter #68322 · NY
BEGINNINGS has 3 strengths but faces 6 concerns
How does the industry compare?
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 63.5% in tier
- + ROA 0.06% above tier average
- + Net Interest Margin 0.18% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 9.6% in tier
- - Membership Headwinds: Bottom 19.2% in tier
- - Indirect Auto Dependency: Bottom 21.6% in tier
- - Efficiency ratio 4.07% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
77,088
-2.4% YoY+0.1% QoQ
|
-21.6K |
98,678
-1.9% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$1.5B
+4.6% YoY+1.1% QoQ
|
$-266.1M |
$1.7B
+0.5% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$1.1B
+2.7% YoY+1.4% QoQ
|
$-182.2M |
$1.2B
+0.5% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$1.2B
+5.4% YoY+0.8% QoQ
|
$-218.2M |
$1.5B
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
45% |
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| ROA |
0.8%
+45.6% YoY+25.6% QoQ
|
+0.1% |
0.7%
+13.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
3.4%
+1.3% YoY+2.3% QoQ
|
+0.2% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
78.0%
-5.1% YoY-2.6% QoQ
|
+4.1% |
74.0%
-10.9% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
1.0%
-9.1% YoY-6.1% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
85.0%
-2.5% YoY+0.6% QoQ
|
-0.2% |
85.2%
-0.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$29,667
+6.7% YoY+1.0% QoQ
|
+$495 |
$29,172
+2.8% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
25.8%
+31.1% YoY+12.9% QoQ
|
-3.2% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
37% |
| Indirect Auto % |
18.0%
-12.9% YoY-1.9% QoQ
|
-0.8% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
54% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)