BlastPoint's Credit Union Scorecard
DIRECTORS CHOICE
Charter #68420 · NY
DIRECTORS CHOICE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Efficiency Ratio: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.04% above tier average
- - Member decline: -3.6% YoY
- - Share Certificate Concentration (%): Bottom 2.3% in tier
- - Net Charge-Off Rate: Bottom 4.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.1% 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 176 that size in New York.
- Shares and deposits +4.2% year over year ($9.1M in shares and deposits).
- Membership: 731 members, -3.6% vs a year ago.
- Delinquency rate 4.58%.
- Return on assets 1.50%.
- Efficiency ratio 33.98% vs a 88.77% peer average.
- Loan-to-share ratio 69.86% 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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
731
-3.6% YoY-1.1% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$11.9M
+4.9% YoY-2.5% QoQ
|
$-18.3M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$6.4M
-11.8% YoY-6.2% QoQ
|
$-9.1M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$9.1M
+4.2% YoY-3.6% QoQ
|
$-16.7M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
1.5%
-40.6% YoY-23.2% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
80% |
| NIM |
3.3%
-16.0% YoY-0.4% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
34.0%
+27.2% YoY+0.2% QoQ
|
-54.8% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 0.8% in tier |
| Delinquency Rate |
4.6%
+41.1% QoQ
|
+3.0 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.1% in tier |
| Loan To Share |
69.9%
-15.4% YoY-2.7% QoQ
|
+11.0% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$21,182
+0.5% YoY-3.6% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
54.8%
+7.2% YoY+1.9% QoQ
|
+30.2% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)