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: 114.0% YoY
- + Member Growth Rate: Top 0.1% in tier
- + Loan 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
- + Asset Growth Rate: Top 0.7% in tier
- + Deposit Growth Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 0.3% in tier
- - Credit Risk Growth: Bottom 0.5% in tier
- - Liquidity Overhang: Bottom 4.0% in tier
- - Credit Quality Pressure: Bottom 24.5% in tier
- - Shrinking Wallet Share: Bottom 100.0% in tier
- - ROA 0.30% below tier average
- - Fee Income Per Member: Bottom 0.3% in tier
- - Share Certificate Concentration (%): Bottom 0.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 12 that size in New York.
- Shares and deposits +43.5% year over year ($1.72B in shares and deposits).
- Membership: 31,640 members, +114.0% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 0.52%.
- Efficiency ratio 63.74% vs a 73.02% peer average.
- Loan-to-share ratio 81.39% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,640
+114.0% YoY+0.2% QoQ
|
-65.2K |
96,861
-1.9% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 1.0% in tier |
| Assets |
$2.0B
+41.5% YoY+0.3% QoQ
|
+$317.3M |
$1.7B
+0.4% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$1.4B
+58.5% YoY+2.0% QoQ
|
+$162.0M |
$1.2B
+0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
69% |
| Deposits |
$1.7B
+43.5% YoY+0.4% QoQ
|
+$252.2M |
$1.5B
+0.5% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
0.5%
+393.9% YoY+14.6% QoQ
|
-0.3% |
0.8%
+27.6% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
1.6%
+100.4% YoY+4.3% QoQ
|
-1.8% |
3.4%
+6.6% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio |
63.7%
-25.8% YoY-6.3% QoQ
|
-9.3% |
73.0%
-2.7% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 15.0% in tier |
| Delinquency Rate |
0.6%
+33.6% YoY+10.3% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
81.4%
+10.4% YoY+1.6% QoQ
|
-3.3% |
84.7%
+0.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$98,350
-29.9% YoY+0.9% QoQ
|
+$69K |
$29,575
+1.5% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 0.3% in tier |
| CD Concentration |
57.8%
-6.0% YoY-1.8% QoQ
|
+28.8% | 29.1% | 16.4% | 20.0% | Top 0.5% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 2.7% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)