BlastPoint's Credit Union Scorecard

FINANCIAL TRUST

Charter #6870 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

FINANCIAL TRUST has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.56% above tier average
+ Net Charge-Off Rate: Top 0.8% in tier
+ Members Per Employee (MPE): Top 6.7% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	13,676 -0.4% YoY+0.2% QoQ	-1.5K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	52%
Assets	$198.3M +8.3% YoY+4.0% QoQ	$-33.4M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	51%
Loans	$105.7M +3.5% YoY-1.2% QoQ	$-38.4M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	39%
Deposits	$167.9M +7.9% YoY+4.3% QoQ	$-33.3M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% -16.8% YoY-19.3% QoQ	+0.6%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	83%
NIM	3.0% -9.2% YoY-8.3% QoQ	-0.6%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	17%
Efficiency Ratio	65.3% +9.2% YoY+10.7% QoQ	-12.7%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.5% +52.3% YoY+8.8% QoQ	-0.3	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	38%
Loan To Share	63.0% -4.1% YoY-5.3% QoQ	-7.4%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	32%
AMR	$20,006 +6.6% YoY+1.9% QoQ	$-5K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	32%
CD Concentration	19.2% +18.4% YoY+2.8% QoQ	-5.0%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#320 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.60%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (4)

Margin Compression

decline

#43 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.28%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.54%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk

#389 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#328 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.48%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Cost Spiral

risk

#64 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.50% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 48.23%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.07%

Peer Median: 0.35%

#10 of 1070 Top 0.8% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 488.429

Peer Median: 309.176

#73 of 1070 Top 6.7% in 100M-500M tier

154

Net Worth Ratio

risk

Value: 15.09%

Peer Median: 11.45%

#154 of 1070 Top 14.3% in 100M-500M tier

169

Efficiency Ratio

profitability

Value: 65.31%

Peer Median: 78.68%

#169 of 1070 Top 15.7% in 100M-500M tier

171

Asset Growth Rate

growth

Value: 8.28%

Peer Median: 3.91%

#171 of 1070 Top 15.9% in 100M-500M tier

185

Return on Assets (ROA)

profitability

Value: 1.28%

Peer Median: 0.69%

#185 of 1070 Top 17.2% in 100M-500M tier

190

Deposit Growth Rate

growth

Value: 7.89%

Peer Median: 3.30%

#190 of 1070 Top 17.7% in 100M-500M tier

247

AMR Growth Rate

growth

Value: 6.60%

Peer Median: 3.46%

#247 of 1070 Top 23.0% in 100M-500M tier

Top Weaknesses (1 metrics)

888

Net Interest Margin (NIM)

profitability

Value: 3.02%

Peer Median: 3.62%

#888 of 1070 Bottom 17.1% in 100M-500M tier