BlastPoint's Credit Union Scorecard
CADETS
Charter #6930 · NY
CADETS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 24.5% YoY
- + Member Growth Rate: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Efficiency ratio 13.79% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.5% in tier
- - Share Certificate Concentration (%): Bottom 2.4% in tier
- - Net Worth Ratio: Bottom 6.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,440
+24.5% YoY-3.7% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$18.2M
-2.2% YoY-5.0% QoQ
|
$-11.6M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$10.7M
-9.9% YoY-2.4% QoQ
|
$-5.1M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$16.6M
-2.3% YoY-5.4% QoQ
|
$-8.8M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
48% |
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| ROA |
-0.1%
-112.3% YoY-1178.9% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.7% in tier |
| NIM |
3.3%
+12.6% YoY+1.7% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
95.2%
+2.4% YoY+0.5% QoQ
|
+13.8% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
1.3%
+111.5% YoY-14.4% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
69% |
| Loan To Share |
64.1%
-7.9% YoY+3.2% QoQ
|
+2.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$18,974
-24.0% YoY-0.6% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
53.5%
-7.8% YoY+6.1% QoQ
|
+29.1% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
5.5%
-4.4% YoY-7.8% QoQ
|
-8.5% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)