BlastPoint's Credit Union Scorecard
SELF RELIANCE NY
Charter #7217 · NY
SELF RELIANCE NY has 7 strengths but faces 11 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
- + Relationship Depth Leader: Top 36.4% in tier
- + Wallet Share Momentum: Top 80.0% 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
- + Net Worth Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.8% in tier
- - Membership Headwinds: Bottom 26.4% in tier
- - Stagnation Risk: Bottom 26.4% in tier
- - Liquidity Overhang: Bottom 37.5% in tier
- - ROA 0.63% below tier average
- - Efficiency ratio 15.34% 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 0.3% in tier
- - Net Interest Margin (NIM): Bottom 0.7% in tier
- - First Mortgage Concentration (%): Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,773
-1.0% YoY-0.1% QoQ
|
-83.9K |
98,678
-1.9% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 0.0% in tier |
| Assets |
$1.5B
+2.1% YoY+0.7% QoQ
|
$-265.9M |
$1.7B
+0.5% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$893.7M
+8.7% YoY+1.5% QoQ
|
$-339.4M |
$1.2B
+0.5% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$1.2B
+1.9% YoY+0.6% QoQ
|
$-252.3M |
$1.5B
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
42% |
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| ROA |
0.1%
-1421.8% YoY-25.9% QoQ
|
-0.6% |
0.7%
+13.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.3% in tier |
| NIM |
0.9%
+23.8% YoY+4.1% QoQ
|
-2.4% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.3% in tier |
| Efficiency Ratio |
89.3%
-11.4% YoY+3.9% QoQ
|
+15.3% |
74.0%
-10.9% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.6% in tier |
| Delinquency Rate |
0.6%
-24.8% YoY+30.2% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
74.3%
+6.6% YoY+0.9% QoQ
|
-10.8% |
85.2%
-0.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$141,861
+5.8% YoY+1.0% QoQ
|
+$113K |
$29,172
+2.8% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Top 0.3% in tier |
| CD Concentration |
61.4%
+4.5% YoY-0.3% QoQ
|
+32.4% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
Top 0.3% in tier |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)