BlastPoint's Credit Union Scorecard
AMERICU
Charter #68433 · NY
AMERICU has 9 strengths but faces 6 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 1.3% in tier
- + Organic Growth Engine: Top 5.1% in tier
- + Net Interest Margin 0.14% above tier average
- + Strong member growth: 17.3% YoY
- + Total Loans: Top 0.0% in tier
- + Member Growth Rate: Top 1.3% in tier
- + Total Members: Top 1.3% in tier
- + Total Deposits: Top 2.6% in tier
- + Total Assets: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 1.7% in tier
- - Liquidity Strain: Bottom 9.3% in tier
- - ROA 0.19% below tier average
- - Delinquency rate 0.97% above tier average
- - AMR Growth Rate: Bottom 2.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
196,038
+17.3% YoY+12.8% QoQ
|
+97.4K |
98,678
-1.9% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Top 1.6% in tier |
| Assets |
$2.8B
+4.7% YoY-0.1% QoQ
|
+$1.1B |
$1.7B
+0.5% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Top 4.9% in tier |
| Loans |
$2.5B
+7.1% YoY+1.5% QoQ
|
+$1.2B |
$1.2B
+0.5% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 0.3% in tier |
| Deposits |
$2.4B
+5.6% YoY-0.2% QoQ
|
+$972.4M |
$1.5B
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Top 3.0% in tier |
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| ROA |
0.5%
+8.7% YoY+60.8% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
3.4%
+15.2% YoY+3.2% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
66.3%
+1.4% YoY-4.5% QoQ
|
-7.7% |
74.0%
-10.9% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
1.8%
-18.2% YoY+8.9% QoQ
|
+1.0 |
0.8%
+6.1% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 5.6% in tier |
| Loan To Share |
101.8%
+1.4% YoY+1.7% QoQ
|
+16.6% |
85.2%
-0.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 11.5% in tier |
| AMR |
$24,985
-9.3% YoY-10.8% QoQ
|
$-4K |
$29,172
+2.8% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration |
37.0%
+0.3% YoY+2.1% QoQ
|
+8.0% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
83% |
| Indirect Auto % |
0.0%
-81.5% YoY-38.1% QoQ
|
-18.8% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 11.6% 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)