BlastPoint's Credit Union Scorecard
FINANCIAL TRUST
Charter #6870 · NY
FINANCIAL TRUST has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 29.8% in tier
- + Wallet Share Momentum: Top 52.3% in tier
- + ROA 0.85% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 6.0% in tier
- + Members Per Employee (MPE): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13.9% in tier
- - Credit Quality Pressure: Bottom 18.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,738
-0.3% YoY-0.3% QoQ
|
-1.9K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
51% |
| Assets |
$187.2M
+6.7% YoY+1.0% QoQ
|
$-44.1M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$108.3M
+8.8% YoY+1.3% QoQ
|
$-39.5M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$158.1M
+5.9% YoY+0.6% QoQ
|
$-42.2M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
45% |
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| ROA |
1.6%
-3.9% YoY+2.5% QoQ
|
+0.9% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 8.4% in tier |
| NIM |
3.3%
+0.7% YoY+0.1% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
57.8%
+1.2% YoY-1.3% QoQ
|
-19.4% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate |
0.5%
+32.4% YoY+13.3% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
68.5%
+2.7% YoY+0.7% QoQ
|
-4.2% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$19,387
+7.3% YoY+1.2% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
18.8%
+19.3% YoY+10.6% QoQ
|
-5.6% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)