BlastPoint's Credit Union Scorecard

COMMUNITY RESOURCE

Charter #770 · NY

100M-500M

1024 CUs in 100M-500M nationally 55 in NY

COMMUNITY RESOURCE has 7 strengths but faces 7 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.16% above tier average
+ Strong member growth: 7.7% YoY
+ Member Growth Rate: Top 4.9% in tier
+ Loan-to-Share Ratio: Top 8.1% in tier
+ Loan Growth Rate: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.49% below tier average
- Efficiency ratio 6.97% above tier (higher cost structure)
- Share Certificate Concentration (%): 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
Shares and deposits +3.2% year over year ($106M in shares and deposits).
Membership: 7,585 members, +7.7% vs a year ago.
Delinquency rate 0.83%.
Return on assets 0.37%.
Efficiency ratio 83.71% vs a 76.73% peer average.
Loan-to-share ratio 93.65% vs a 71.54% 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	7,585 +7.7% YoY+2.7% QoQ	-7.6K	15,168 -2.6% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	16%
Assets	$120.3M +3.4% YoY+0.4% QoQ	$-111.7M	$232.0M +0.7% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	Bottom 13.5% in tier
Loans	$99.1M +13.1% YoY+7.7% QoQ	$-47.2M	$146.3M +0.2% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	35%
Deposits	$105.8M +3.2% YoY+0.4% QoQ	$-94.9M	$200.7M +0.2% YoY	$431.4M +8.2% YoY	$504.8M +10.3% YoY	Bottom 14.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +76.2% YoY+5.2% QoQ	-0.5%	0.9% +12.5% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	20%
NIM	3.8% +12.6% YoY+4.2% QoQ	+0.2%	3.7% +4.5% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	62%
Efficiency Ratio	83.7% -2.2% YoY-2.4% QoQ	+7.0%	76.7% -0.8% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	72%
Delinquency Rate	0.8% +53.8% YoY-15.0% QoQ	+0.0	0.9% +6.6% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	59%
Loan To Share	93.7% +9.5% YoY+7.2% QoQ	+22.1%	71.5% -0.3% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	Top 8.2% in tier
AMR	$27,016 +0.0% YoY+1.1% QoQ	+$2K	$25,107 +3.2% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	70%
CD Concentration	42.3% +0.4% YoY-1.4% QoQ	+17.7%	24.6%	16.4%	20.0%	50%
Indirect Auto %	12.7% +154.3% QoQ	-0.9%	13.6%	2.7%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#35 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 7.71%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 12.68%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#220 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.71%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.37%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 12.68%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (4)

Credit Risk Growth

risk

#50 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 13.06%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.29% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Liquidity Strain

risk

#81 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.65%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 13.06%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Credit Quality Pressure

risk

#262 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.29% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Efficiency Drag

risk

#444 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.71%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.16% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 7.71%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (4 metrics)

Member Growth Rate

growth

Value: 7.71%

Peer Median: -0.03%

#51 of 1024 Top 4.9% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.65%

Peer Median: 73.07%

#84 of 1024 Top 8.1% in 100M-500M tier

103

Loan Growth Rate

growth

Value: 13.06%

Peer Median: 3.02%

#103 of 1024 Top 10.0% in 100M-500M tier

198

Loan-to-Member Ratio (LMR)

engagement

Value: $13,065

Peer Median: $9,434

#198 of 1024 Top 19.2% in 100M-500M tier

Top Weaknesses (7 metrics)

965

Share Certificate Concentration (%)

balance_sheet

Value: 42.26%

Peer Median: 23.39%

#965 of 1024 Bottom 5.9% in 100M-500M tier

886

Total Assets

balance_sheet

Value: $120.33M

Peer Median: $196.38M

#886 of 1024 Bottom 13.6% in 100M-500M tier

882

Fee Income Per Member

profitability

Value: $96.65

Peer Median: $159.88

#882 of 1024 Bottom 14.0% in 100M-500M tier

879

Total Deposits

balance_sheet

Value: $105.82M

Peer Median: $170.77M

#879 of 1024 Bottom 14.3% in 100M-500M tier

864

Total Members

engagement

Value: 7,585

Peer Median: 13,128

#864 of 1024 Bottom 15.7% in 100M-500M tier

824

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Median: 0.75%

#824 of 1024 Bottom 19.6% in 100M-500M tier

812

AMR Growth Rate

growth

Value: 0.05%

Peer Median: 3.53%

#812 of 1024 Bottom 20.8% in 100M-500M tier