BlastPoint's Credit Union Scorecard
AMERICU
Charter #68433 · NY
AMERICU has 9 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 2.8% in tier
- + Organic Growth Engine: Top 14.2% in tier
- + Net Interest Margin 0.14% above tier average
- + Strong member growth: 21.5% YoY
- + Total Loans: Top 0.3% in tier
- + Total Deposits: Top 0.7% in tier
- + Total Members: Top 1.0% in tier
- + Total Assets: Top 1.7% in tier
- + Member Growth Rate: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 3.8% in tier
- - Liquidity Strain: Bottom 32.7% in tier
- - ROA 0.15% below tier average
- - Delinquency rate 0.75% above tier average
- - AMR Growth Rate: Bottom 2.0% in tier
- - Net Charge-Off Rate: Bottom 5.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
202,033
+21.5% YoY+3.1% QoQ
|
+104.6K |
97,431
-2.4% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 1.3% in tier |
| Assets |
$3.0B
+7.7% YoY+5.0% QoQ
|
+$1.2B |
$1.7B
+0.9% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 2.0% in tier |
| Loans |
$2.5B
+6.9% YoY+2.3% QoQ
|
+$1.3B |
$1.2B
+0.5% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 0.7% in tier |
| Deposits |
$2.5B
+8.1% YoY+5.0% QoQ
|
+$1.1B |
$1.5B
+0.9% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 1.0% in tier |
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| ROA |
0.5%
+34.7% YoY+3.6% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
3.4%
+14.3% YoY+0.3% QoQ
|
+0.1% |
3.3%
+9.2% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
64.2%
-4.6% YoY-3.2% QoQ
|
-9.9% |
74.1%
-9.5% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate |
1.6%
-22.9% YoY-8.3% QoQ
|
+0.7 |
0.9%
+6.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 9.3% in tier |
| Loan To Share |
99.3%
-1.1% YoY-2.5% QoQ
|
+14.5% |
84.8%
-0.8% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 13.9% in tier |
| AMR |
$25,128
-11.5% YoY+0.6% QoQ
|
$-4K |
$29,428
+2.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
36.2%
-1.3% YoY-2.1% QoQ
|
+7.2% | 29.0% | 16.3% | 19.8% | 80% |
| Indirect Auto % |
0.0%
-82.5% YoY-36.9% QoQ
|
-18.3% | 18.3% | 2.6% | 7.8% | Bottom 12.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)