BlastPoint's Credit Union Scorecard
SELF RELIANCE NY
Charter #7217 · NY
SELF RELIANCE NY has 11 strengths but faces 10 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 26.4% 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
- + Indirect Auto Concentration (%): 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
- + Deposit Growth Rate: Top 0.7% in tier
- + Net Worth Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 0.0% in tier
- - Wealth Migration Risk: Bottom 0.0% 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
- - AMR Growth Rate: Bottom 1.7% in tier
- - First Mortgage Concentration (%): Bottom 8.3% 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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| ROA |
0.2%
-1634.0% YoY+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% | Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
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.
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)