BlastPoint's Credit Union Scorecard
DUNLOP EMPLOYEES
Charter #7118 · NY
DUNLOP EMPLOYEES has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.89% below tier average
- - Efficiency ratio 8.64% above tier (higher cost structure)
- - Member decline: -12.7% YoY
- - Loan Growth Rate: Bottom 2.1% in tier
- - Member Growth Rate: Bottom 3.8% in tier
- - Net Interest Margin (NIM): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,506
-12.7% YoY-3.3% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$15.8M
+5.6% YoY-0.4% QoQ
|
$-14.4M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$6.6M
-31.5% YoY-5.6% QoQ
|
$-9.2M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$12.8M
+0.9% YoY-4.1% QoQ
|
$-12.9M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
-0.3%
+60.9% YoY-259.4% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.4% in tier |
| NIM |
2.5%
+10.7% YoY+3.8% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.7% in tier |
| Efficiency Ratio |
91.2%
-6.1% YoY-0.5% QoQ
|
+8.6% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
1.4%
+365.8% YoY-31.7% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
51.3%
-32.2% YoY-1.6% QoQ
|
-9.3% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$12,864
-0.4% YoY-1.4% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)