BlastPoint's Credit Union Scorecard

AMERICU

Charter #68433 · NY

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 4 in NY
View Mid-Market leaderboard →

AMERICU has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 2.6% in tier
  • + Organic Growth Engine: Top 2.6% in tier
  • + Net Interest Margin 0.55% above tier average
  • + Strong member growth: 21.4% YoY
  • + Member Growth Rate: Top 3.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 18.0% in tier
  • - Shrinking Wallet Share: Bottom 99.2% in tier
  • - Delinquency rate 0.53% above tier average
  • - Total Assets: Bottom 1.3% in tier
  • - AMR Growth Rate: Bottom 5.1% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 205,600
+21.4% YoY+1.8% QoQ
 -14.8K 220,435
-7.6% YoY
 27,572
+9.2% YoY
 33,913
+5.7% YoY
 45%
Assets $3.0B
+7.9% YoY+1.8% QoQ
 $-901.1M $3.9B
-1.5% YoY
 $497.6M
+8.1% YoY
 $578.3M
+9.0% YoY
 Bottom 0.1% in tier
Loans $2.5B
+6.8% YoY+0.4% QoQ
 $-352.7M $2.9B
-1.1% YoY
 $329.7M
+7.8% YoY
 $402.4M
+8.7% YoY
 23%
Deposits $2.6B
+8.4% YoY+2.9% QoQ
 $-677.4M $3.3B
-2.5% YoY
 $425.1M
+7.9% YoY
 $494.3M
+9.1% YoY
 Bottom 9.0% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.7%
+842.2% YoY+34.3% QoQ
 +0.0% 0.7%
+10.6% YoY
 0.7%
-43.8% YoY
 0.4%
-39.2% YoY
 45%
NIM 3.8%
+18.0% YoY+9.7% QoQ
 +0.5% 3.2%
+4.6% YoY
 3.5%
-2.6% YoY
 3.8%
+4.1% YoY
 82%
Efficiency Ratio 65.7%
-6.3% YoY+2.4% QoQ
 -5.6% 71.3%
-2.6% YoY
 81.8%
+0.3% YoY
 84.6%
+2.8% YoY
 32%
Delinquency Rate 1.3%
-26.6% YoY-22.6% QoQ
 +0.5 0.7%
+9.2% YoY
 1.5%
-10.1% YoY
 1.2%
+3.4% YoY
 Bottom 11.5% in tier
Loan To Share 96.9%
-1.5% YoY-2.4% QoQ
 +9.0% 88.0%
+0.9% YoY
 58.9%
-2.1% YoY
 65.6%
-1.4% YoY
 72%
AMR $25,102
-11.3% YoY-0.1% QoQ
 $-6K $30,672
+5.5% YoY
 $19,395
-21.8% YoY
 $19,920
+1.6% YoY
 26%
CD Concentration 36.9%
+3.0% YoY+2.1% QoQ
 +8.1% 28.8% 16.4% 19.8% 82%
Indirect Auto % 0.0% -18.1% 18.1% 2.6% 7.7% Top 11.7% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#2 of 116 • Top 2.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 21.37%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.01%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth
#14 of 115 • Top 2.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 21.37%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Return on Assets: 0.72%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 0.01%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline
#4 of 82 • Bottom 99.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -11.30%
(Tier: 3.34%, National: 6.36%)
worse than tier avg
82 of 384 Mid-Market CUs have this signature | 335 nationally
↓ Shrinking -18 CUs YoY | New qualifier

Liquidity Strain

risk
#68 of 148 • Bottom 18.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 96.94%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 6.85%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

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)

Comparing against 78 peers in tier

Top Strengths (3 metrics)

4
Member Growth Rate
growth
Value: 21.37%
Peer Median: 3.36%
#4 of 78 Top 3.8% in 3B-5B tier
6
Indirect Auto Concentration (%)
balance_sheet
Value: 0.01%
Peer Median: 18.10%
#6 of 78 Top 6.4% in 3B-5B tier
14
Net Interest Margin (NIM)
profitability
Value: 3.75%
Peer Median: 3.23%
#14 of 78 Top 16.7% in 3B-5B tier

Top Weaknesses (7 metrics)

78
Total Assets
balance_sheet
Value: $3.01B
Peer Median: $3.94B
#78 of 78 Bottom 1.3% in 3B-5B tier
75
AMR Growth Rate
growth
Value: -11.30%
Peer Median: 2.86%
#75 of 78 Bottom 5.1% in 3B-5B tier
71
Total Deposits
balance_sheet
Value: $2.62B
Peer Median: $3.34B
#71 of 78 Bottom 10.3% in 3B-5B tier
70
Total Delinquency Rate (60+ days)
risk
Value: 1.27%
Peer Median: 0.54%
#70 of 78 Bottom 11.5% in 3B-5B tier
68
Net Charge-Off Rate
risk
Value: 1.12%
Peer Median: 0.46%
#68 of 78 Bottom 14.1% in 3B-5B tier
62
Net Worth Ratio
risk
Value: 9.44%
Peer Median: 10.59%
#62 of 78 Bottom 21.8% in 3B-5B tier
60
Total Loans
balance_sheet
Value: $2.54B
Peer Median: $2.92B
#60 of 78 Bottom 24.4% in 3B-5B tier
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