BlastPoint's Credit Union Scorecard
CONCORD
Charter #7504 · NY
2596 CUs in <100M nationally
188 in NY
CONCORD has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.1% in tier
- + AMR Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 17.05% above tier (higher cost structure)
- - Member decline: -25.5% YoY
- - Net Charge-Off Rate: Bottom 1.0% in tier
- - Member Growth Rate: Bottom 1.2% in tier
- - Loan-to-Share Ratio: Bottom 2.0% in tier
- - Asset Growth Rate: Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 3.2% in tier
- - Deposit Growth Rate: Bottom 3.9% in tier
- - Total Loans: Bottom 9.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.2% in tier
- - Members Per Employee (MPE): Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
440
-25.5% YoY-8.9% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 12.2% in tier |
| Assets |
$7.4M
-12.8% YoY-2.8% QoQ
|
$-22.5M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$678,196
-27.5% YoY-3.5% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.1% in tier |
| Deposits |
$6.5M
-13.8% YoY-2.5% QoQ
|
$-19.0M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
0.1%
-99.1% YoY-93.9% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
3.0%
+8.2% YoY+3.7% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
98.4%
+198.9% YoY+26.0% QoQ
|
+17.0% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 12.3% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
10.4%
-15.9% YoY-1.1% QoQ
|
-50.8% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.8% in tier |
| AMR |
$16,323
+13.7% YoY+6.9% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
30
Fee Income Per Member
profitability
Value:
$417.12
Peer Avg: -
#30 of 2596
Top 1.1% in <100M tier
136
AMR Growth Rate
growth
Value:
13.72%
Peer Avg: -
#136 of 2596
Top 5.2% in <100M tier
Top Weaknesses (13 metrics)
2570
Net Charge-Off Rate
risk
Value:
6.82%
Peer Avg: -
#2570 of 2596
Bottom 1.0% in <100M tier
2565
Member Growth Rate
growth
Value:
-25.55%
Peer Avg: -
#2565 of 2596
Bottom 1.2% in <100M tier
2544
Loan-to-Share Ratio
balance_sheet
Value:
10.43%
Peer Avg: -
#2544 of 2596
Bottom 2.0% in <100M tier
2517
Asset Growth Rate
growth
Value:
-12.80%
Peer Avg: -
#2517 of 2596
Bottom 3.1% in <100M tier
2515
Loan Growth Rate
growth
Value:
-27.49%
Peer Avg: -
#2515 of 2596
Bottom 3.2% in <100M tier
2496
Deposit Growth Rate
growth
Value:
-13.83%
Peer Avg: -
#2496 of 2596
Bottom 3.9% in <100M tier
2360
Total Loans
balance_sheet
Value:
$678,196
Peer Avg: -
#2360 of 2596
Bottom 9.1% in <100M tier
2358
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,541
Peer Avg: -
#2358 of 2596
Bottom 9.2% in <100M tier
2349
Members Per Employee (MPE)
engagement
Value:
146.667
Peer Avg: -
#2349 of 2596
Bottom 9.6% in <100M tier
2279
Total Members
engagement
Value:
440
Peer Avg: -
#2279 of 2596
Bottom 12.2% in <100M tier