BlastPoint's Credit Union Scorecard
CADETS
Charter #6930 · NY
CADETS has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 24.6% YoY
- + Member Growth Rate: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Efficiency ratio 13.76% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
- - AMR Growth Rate: Bottom 1.2% in tier
- - Share Certificate Concentration (%): Bottom 3.9% in tier
- - Net Worth Ratio: Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,430
+24.6% YoY-0.7% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$18.0M
-5.6% YoY-1.5% QoQ
|
$-12.2M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$10.4M
-11.1% YoY-2.4% QoQ
|
$-5.3M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$16.4M
-6.1% YoY-1.6% QoQ
|
$-9.3M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
-0.1%
-123.4% YoY+47.9% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.4% in tier |
| NIM |
3.4%
+12.2% YoY+2.8% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
96.3%
+4.1% YoY+1.2% QoQ
|
+13.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
1.7%
+61.3% YoY+29.4% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
63.6%
-5.4% YoY-0.9% QoQ
|
+3.0% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$18,744
-26.2% YoY-1.2% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
49.5%
-5.8% YoY-7.4% QoQ
|
+25.1% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
5.3%
-4.4% YoY-4.2% QoQ
|
-8.5% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)