BlastPoint's Credit Union Scorecard
CONCORD
Charter #7504 · NY
<100M
2508 CUs in <100M nationally
179 in NY
CONCORD has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.09% below tier average
- - Efficiency ratio 31.25% above tier (higher cost structure)
- - Member decline: -11.0% YoY
- - Loan-to-Share Ratio: Bottom 1.8% in tier
- - Loan Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 2.2% in tier
- - Deposit Growth Rate: Bottom 3.2% in tier
- - Member Growth Rate: Bottom 5.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
439
-11.0% YoY+0.7% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 12.0% in tier |
| Assets |
$7.0M
-14.3% YoY-2.4% QoQ
|
$-23.2M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$504,918
-34.2% YoY-13.1% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.9% in tier |
| Deposits |
$6.2M
-14.2% YoY-2.5% QoQ
|
$-19.6M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
-0.9%
-120.7% YoY+116.9% QoQ
|
-1.1% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.8% in tier |
| NIM |
3.4%
+19.9% YoY+14.8% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
33% |
| Efficiency Ratio |
121.9%
+137.9% YoY+12.3% QoQ
|
+31.3% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
8.2%
-23.3% YoY-10.9% QoQ
|
-50.3% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.6% in tier |
| AMR |
$15,181
-5.8% YoY-4.0% QoQ
|
+$297 |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
57% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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 Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
23
Net Charge-Off Rate
risk
Value:
-1.54%
Peer Median: 0.07%
#23 of 2508
Top 0.9% in <100M tier
356
Fee Income Per Member
profitability
Value:
$139.80
Peer Median: $60.42
#356 of 2508
Top 14.2% in <100M tier
Top Weaknesses (13 metrics)
2465
Loan-to-Share Ratio
balance_sheet
Value:
8.20%
Peer Median: 58.72%
#2465 of 2508
Bottom 1.8% in <100M tier
2464
Loan Growth Rate
growth
Value:
-34.18%
Peer Median: -2.36%
#2464 of 2508
Bottom 1.8% in <100M tier
2455
Asset Growth Rate
growth
Value:
-14.27%
Peer Median: 1.30%
#2455 of 2508
Bottom 2.2% in <100M tier
2429
Deposit Growth Rate
growth
Value:
-14.15%
Peer Median: 0.66%
#2429 of 2508
Bottom 3.2% in <100M tier
2383
Member Growth Rate
growth
Value:
-10.95%
Peer Median: -1.37%
#2383 of 2508
Bottom 5.0% in <100M tier
2371
Efficiency Ratio
profitability
Value:
121.88%
Peer Median: 81.45%
#2371 of 2508
Bottom 5.5% in <100M tier
2341
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,150
Peer Median: $4,923
#2341 of 2508
Bottom 6.7% in <100M tier
2311
Total Loans
balance_sheet
Value:
$504,918
Peer Median: $9.48M
#2311 of 2508
Bottom 7.9% in <100M tier
2287
Return on Assets (ROA)
profitability
Value:
-0.94%
Peer Median: 0.61%
#2287 of 2508
Bottom 8.9% in <100M tier
2272
Members Per Employee (MPE)
engagement
Value:
146.333
Peer Median: 333.750
#2272 of 2508
Bottom 9.4% in <100M tier