BlastPoint's Credit Union Scorecard
SELF RELIANCE FINANCIAL
Charter #7217 · NY
SELF RELIANCE FINANCIAL has 8 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.5% in tier
- + Strong member growth: 113.2% YoY
- + Member Growth Rate: Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Loan Growth Rate: Top 0.7% in tier
- + Asset Growth Rate: Top 1.3% in tier
- + Deposit Growth Rate: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 0.3% in tier
- - Liquidity Overhang: Bottom 3.7% in tier
- - Shrinking Wallet Share: Bottom 100.0% in tier
- - ROA 0.26% below tier average
- - Fee Income Per Member: Bottom 0.3% in tier
- - Share Certificate Concentration (%): Bottom 0.3% in tier
- - AMR Growth Rate: Bottom 1.0% in tier
- - Total Members: Bottom 1.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,580
+113.2% YoY+0.1% QoQ
|
-64.5K |
96,048
-2.7% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 0.7% in tier |
| Assets |
$2.0B
+40.3% YoY+1.2% QoQ
|
+$315.0M |
$1.7B
+0.4% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
69% |
| Loans |
$1.4B
+57.8% YoY+1.5% QoQ
|
+$155.2M |
$1.2B
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
69% |
| Deposits |
$1.7B
+41.7% YoY+1.3% QoQ
|
+$243.7M |
$1.5B
+0.5% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
0.5%
+121.4% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
1.6%
+116.1% YoY+58.4% QoQ
|
-1.8% |
3.4%
+6.2% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio |
68.0%
-32.9% YoY-13.3% QoQ
|
-6.6% |
74.6%
-3.0% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
23% |
| Delinquency Rate |
0.6%
-1.2% YoY-5.6% QoQ
|
-0.2 |
0.8%
+6.9% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
43% |
| Loan To Share |
80.1%
+11.3% YoY+0.2% QoQ
|
-3.1% |
83.2%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$97,473
-30.4% YoY+1.3% QoQ
|
+$68K |
$29,652
+2.3% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 0.3% in tier |
| CD Concentration |
58.9%
-3.7% YoY-0.7% QoQ
|
+30.1% | 28.8% | 16.4% | 19.8% | Top 0.3% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 2.6% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)