BlastPoint's Credit Union Scorecard

SELF RELIANCE NY

Charter #7217 · NY

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 13 in NY
View Mid-Market leaderboard →

SELF RELIANCE NY has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
NY Analysis

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: 112.9% YoY
  • + Member Growth Rate: Top 0.0% in tier
  • + Net Charge-Off Rate: Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.0% in tier
  • + Loan Growth Rate: Top 0.3% in tier
  • + Asset Growth Rate: Top 0.7% in tier

Key Concerns

Areas that may need attention

  • - Wealth Migration Risk: Bottom 0.3% in tier
  • - Shrinking Wallet Share: Bottom 100.0% in tier
  • - ROA 0.48% below tier average
  • - Efficiency ratio 4.42% above tier (higher cost structure)
  • - Fee Income Per Member: Bottom 0.3% in tier
  • - Share Certificate Concentration (%): Bottom 0.3% in tier
  • - Total Members: Bottom 1.0% in tier
  • - Net Interest Margin (NIM): Bottom 1.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 31,554
+112.9% YoY+113.6% QoQ
 -65.9K 97,431
-2.4% YoY
 26,134
+5.1% YoY
 33,374
+5.7% YoY
 Bottom 0.7% in tier
Assets $2.0B
+39.7% YoY+38.3% QoQ
 +$287.6M $1.7B
+0.9% YoY
 $482.3M
+7.4% YoY
 $561.6M
+9.7% YoY
 68%
Loans $1.3B
+59.6% YoY+51.0% QoQ
 +$114.8M $1.2B
+0.5% YoY
 $324.6M
+7.8% YoY
 $397.0M
+8.8% YoY
 66%
Deposits $1.7B
+40.8% YoY+40.4% QoQ
 +$227.9M $1.5B
+0.9% YoY
 $411.3M
+7.7% YoY
 $477.3M
+9.7% YoY
 68%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.2%
+162.7% QoQ
 -0.5% 0.7%
+20.9% YoY
 0.7%
+147.7% YoY
 0.7%
+15.9% YoY
 Bottom 10.9% in tier
NIM 1.0%
+47.3% YoY+16.6% QoQ
 -2.3% 3.3%
+9.2% YoY
 3.6%
+4.1% YoY
 3.8%
+5.1% YoY
 Bottom 1.0% in tier
Efficiency Ratio 78.5%
-23.6% YoY-12.1% QoQ
 +4.4% 74.1%
-9.5% YoY
 80.7%
-3.4% YoY
 79.7%
-3.3% YoY
 68%
Delinquency Rate 0.6%
-41.0% YoY-1.4% QoQ
 -0.3 0.9%
+6.2% YoY
 1.6%
-19.7% YoY
 1.3%
-2.1% YoY
 35%
Loan To Share 80.0%
+13.4% YoY+7.6% QoQ
 -4.8% 84.8%
-0.8% YoY
 60.4%
-2.5% YoY
 67.4%
-1.7% YoY
 30%
AMR $96,228
-30.2% YoY-32.2% QoQ
 +$67K $29,428
+2.4% YoY
 $19,178
-21.9% YoY
 $19,687
+2.0% YoY
 Top 0.3% in tier
CD Concentration 59.3%
-1.2% YoY-3.3% QoQ
 +30.3% 29.0% 16.3% 19.8% Top 0.3% in tier
Indirect Auto % 0.0% -18.3% 18.3% 2.6% 7.8% Top 0.1% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#66 of 247 • Top 0.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 112.90%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Return on Assets: 0.20%
(Tier: 0.69%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 18.31%, National: 7.78%)
better than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline
#1 of 79 • Bottom 100.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -30.22%
(Tier: 3.31%, National: 4.00%)
worse than tier avg
79 of 378 Mid-Market CUs have this signature | 303 nationally
↓ Shrinking -33 CUs YoY | New qualifier

Wealth Migration Risk

decline
#1 of 13 • Bottom 0.3% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $96.2K
(Tier: $29.5K, National: $19.7K)
but better than tier avg
AMR Growth (YoY): -30.22%
(Tier: 3.31%, National: 4.00%)
worse than tier avg
13 of 378 Mid-Market CUs have this signature | 34 nationally
→ No prior data (13 CUs now) | New qualifier

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)

Comparing against 302 peers in tier

Top Strengths (9 metrics)

1
Member Growth Rate
growth
Value: 112.90%
Peer Median: -
#1 of 302 Top 0.1% in 1B-3B tier
1
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: -
#1 of 302 Top 0.1% in 1B-3B tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 302 Top 0.1% in 1B-3B tier
1
Average Member Relationship (AMR)
engagement
Value: $96,228
Peer Median: -
#1 of 302 Top 0.1% in 1B-3B tier
1
Loan-to-Member Ratio (LMR)
engagement
Value: $42,757
Peer Median: -
#1 of 302 Top 0.1% in 1B-3B tier
2
Loan Growth Rate
growth
Value: 59.61%
Peer Median: -
#2 of 302 Top 0.3% in 1B-3B tier
3
Asset Growth Rate
growth
Value: 39.66%
Peer Median: -
#3 of 302 Top 0.7% in 1B-3B tier
3
Deposit Growth Rate
growth
Value: 40.76%
Peer Median: -
#3 of 302 Top 0.7% in 1B-3B tier
24
Net Worth Ratio
risk
Value: 15.03%
Peer Median: -
#24 of 302 Top 7.6% in 1B-3B tier

Top Weaknesses (7 metrics)

302
Fee Income Per Member
profitability
Value: $1.51
Peer Median: -
#302 of 302 Bottom 0.3% in 1B-3B tier
302
Share Certificate Concentration (%)
balance_sheet
Value: 59.33%
Peer Median: -
#302 of 302 Bottom 0.3% in 1B-3B tier
300
Total Members
engagement
Value: 31,554
Peer Median: -
#300 of 302 Bottom 1.0% in 1B-3B tier
299
Net Interest Margin (NIM)
profitability
Value: 0.99%
Peer Median: -
#299 of 302 Bottom 1.3% in 1B-3B tier
298
AMR Growth Rate
growth
Value: -30.22%
Peer Median: -
#298 of 302 Bottom 1.7% in 1B-3B tier
278
First Mortgage Concentration (%)
balance_sheet
Value: 56.10%
Peer Median: -
#278 of 302 Bottom 8.3% in 1B-3B tier
269
Return on Assets (ROA)
profitability
Value: 0.20%
Peer Median: -
#269 of 302 Bottom 11.3% in 1B-3B tier
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