BlastPoint's Credit Union Scorecard
CONCORD
Charter #7504 · NY
2556 CUs in <100M nationally
183 in NY
CONCORD has 5 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 1.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.06% below tier average
- - Efficiency ratio 25.97% above tier (higher cost structure)
- - Member decline: -13.1% YoY
- - Net Charge-Off Rate: Bottom 1.2% in tier
- - Loan-to-Share Ratio: Bottom 1.9% in tier
- - Loan Growth Rate: Bottom 2.3% in tier
- - Asset Growth Rate: Bottom 3.2% in tier
- - Member Growth Rate: Bottom 3.4% in tier
- - Deposit Growth Rate: Bottom 4.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.4% in tier
- - Total Loans: Bottom 8.1% in tier
- - Members Per Employee (MPE): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
436
-13.1% YoY-0.9% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 11.9% in tier |
| Assets |
$7.2M
-11.7% YoY-3.0% QoQ
|
$-23.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$581,206
-30.1% YoY-14.3% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.1% in tier |
| Deposits |
$6.3M
-12.7% YoY-2.9% QoQ
|
$-19.4M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
-0.4%
-106.4% YoY-613.1% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.8% in tier |
| NIM |
3.0%
+5.2% YoY-0.0% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
108.5%
+164.6% YoY+10.2% QoQ
|
+26.0% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 7.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
9.2%
-19.9% YoY-11.7% QoQ
|
-51.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.8% in tier |
| AMR |
$15,818
-1.5% YoY-3.1% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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 (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
33
Fee Income Per Member
profitability
Value:
$351.70
Peer Median: -
#33 of 2556
Top 1.3% in <100M tier
Top Weaknesses (13 metrics)
2527
Net Charge-Off Rate
risk
Value:
7.32%
Peer Median: -
#2527 of 2556
Bottom 1.2% in <100M tier
2509
Loan-to-Share Ratio
balance_sheet
Value:
9.20%
Peer Median: -
#2509 of 2556
Bottom 1.9% in <100M tier
2497
Loan Growth Rate
growth
Value:
-30.05%
Peer Median: -
#2497 of 2556
Bottom 2.3% in <100M tier
2475
Asset Growth Rate
growth
Value:
-11.71%
Peer Median: -
#2475 of 2556
Bottom 3.2% in <100M tier
2470
Member Growth Rate
growth
Value:
-13.15%
Peer Median: -
#2470 of 2556
Bottom 3.4% in <100M tier
2450
Deposit Growth Rate
growth
Value:
-12.65%
Peer Median: -
#2450 of 2556
Bottom 4.2% in <100M tier
2379
Efficiency Ratio
profitability
Value:
108.53%
Peer Median: -
#2379 of 2556
Bottom 7.0% in <100M tier
2367
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,333
Peer Median: -
#2367 of 2556
Bottom 7.4% in <100M tier
2349
Total Loans
balance_sheet
Value:
$581,206
Peer Median: -
#2349 of 2556
Bottom 8.1% in <100M tier
2314
Members Per Employee (MPE)
engagement
Value:
145.333
Peer Median: -
#2314 of 2556
Bottom 9.5% in <100M tier