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: 25.7% YoY
- + Member Growth Rate: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Efficiency ratio 7.80% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.2% in tier
- - Share Certificate Concentration (%): Bottom 3.4% in tier
- - Net Worth Ratio: Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,414
+25.7% YoY-1.1% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
39% |
| Assets |
$17.8M
-5.1% YoY-1.0% QoQ
|
$-12.4M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$10.2M
-9.8% YoY-2.2% QoQ
|
$-5.1M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$16.2M
-5.4% YoY-0.9% QoQ
|
$-9.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
47% |
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| ROA |
-0.6%
+73.5% YoY+657.2% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.7% in tier |
| NIM |
3.5%
+6.6% YoY+4.4% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
98.4%
+7.1% YoY+2.2% QoQ
|
+7.8% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
1.3%
-1.6% YoY-22.0% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
71% |
| Loan To Share |
62.8%
-4.6% YoY-1.3% QoQ
|
+4.3% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
56% |
| AMR |
$18,687
-26.1% YoY-0.3% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
50.5%
-3.4% YoY+2.0% QoQ
|
+26.2% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % |
5.1%
-8.0% YoY-3.0% QoQ
|
-8.7% | 13.8% | 2.6% | 7.7% | 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)