BlastPoint's Credit Union Scorecard
CONCORD
Charter #7504 · NY
CONCORD has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.57% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 75.87% above tier (higher cost structure)
- - Member decline: -10.8% YoY
- - Loan Growth Rate: Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 1.5% in tier
- - Net Charge-Off Rate: Bottom 2.7% in tier
- - Member Growth Rate: Bottom 5.4% in tier
- - Asset Growth Rate: Bottom 5.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -8.6% year over year ($6.1M in shares and deposits).
- Membership: 431 members, -10.8% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 2.06%.
- Efficiency ratio 164.63% vs a 88.77% peer average.
- Loan-to-share ratio 7.15% vs a 58.89% 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 |
431
-10.8% YoY-1.8% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 12.0% in tier |
| Assets |
$6.9M
-9.6% YoY-1.7% QoQ
|
$-23.4M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$436,021
-38.0% YoY-13.6% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.9% in tier |
| Deposits |
$6.1M
-8.6% YoY-1.0% QoQ
|
$-19.7M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
2.1%
+49.8% YoY-319.2% QoQ
|
+0.6% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 8.8% in tier |
| NIM |
2.7%
-7.1% YoY-21.9% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.4% in tier |
| Efficiency Ratio |
164.6%
+110.8% YoY+35.1% QoQ
|
+75.9% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
7.2%
-32.1% YoY-12.7% QoQ
|
-51.7% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.4% in tier |
| AMR |
$15,156
-0.7% YoY-0.2% QoQ
|
+$193 |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)