BlastPoint's Credit Union Scorecard
AMERICU
Charter #68433 · NY
AMERICU has 5 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
- + Organic Growth Leader: Top 2.2% in tier
- + Organic Growth Engine: Top 2.2% in tier
- + Net Interest Margin 0.54% above tier average
- + Strong member growth: 20.8% YoY
- + Member Growth Rate: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.0% in tier
- - Liquidity Strain: Bottom 23.2% in tier
- - Credit Risk Growth: Bottom 52.7% in tier
- - Shrinking Wallet Share: Bottom 98.9% in tier
- - ROA 0.24% below tier average
- - Delinquency rate 1.05% above tier average
- - Total Assets: Bottom 2.6% in tier
- - AMR Growth Rate: Bottom 5.2% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 4 that size in New York.
- Shares and deposits +9.2% year over year ($2.65B in shares and deposits).
- Membership: 210,014 members, +20.8% vs a year ago.
- Delinquency rate 1.89%.
- Return on assets 0.69%.
- Efficiency ratio 63.50% vs a 69.45% peer average.
- Loan-to-share ratio 96.76% vs a 90.24% 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 |
210,014
+20.8% YoY+2.1% QoQ
|
-6.5K |
216,545
-9.5% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$3.0B
+7.3% YoY+0.4% QoQ
|
$-875.1M |
$3.9B
-1.6% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.3% in tier |
| Loans |
$2.6B
+5.4% YoY+1.1% QoQ
|
$-362.5M |
$2.9B
-1.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$2.7B
+9.2% YoY+1.3% QoQ
|
$-602.7M |
$3.3B
-2.6% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.0% in tier |
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| ROA |
0.7%
+113.1% YoY-4.7% QoQ
|
-0.2% |
0.9%
+25.3% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
3.8%
+14.2% YoY+0.6% QoQ
|
+0.5% |
3.2%
+3.8% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
63.5%
-8.5% YoY-3.3% QoQ
|
-5.9% |
69.5%
-2.3% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
1.9%
+14.5% YoY+48.1% QoQ
|
+1.1 |
0.8%
+5.5% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.2% in tier |
| Loan To Share |
96.8%
-3.4% YoY-0.2% QoQ
|
+6.5% |
90.2%
+0.9% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$24,871
-11.2% YoY-0.9% QoQ
|
$-6K |
$31,018
+6.9% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
37.7%
+4.1% YoY+2.0% QoQ
|
+8.6% | 29.1% | 16.4% | 20.0% | 84% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 2.7% | 7.7% | Top 11.2% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)