BlastPoint's Credit Union Scorecard
COMMUNITY RESOURCE
Charter #770 · NY
COMMUNITY RESOURCE has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 3.4% in tier
- + Organic Growth Engine: Top 13.6% in tier
- + Strong member growth: 7.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 5.9% in tier
- - Credit Quality Pressure: Bottom 18.7% in tier
- - Credit Risk Growth: Bottom 22.6% in tier
- - Efficiency Drag: Bottom 26.7% in tier
- - ROA 0.51% below tier average
- - Efficiency ratio 6.79% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 3.8% in tier
- - AMR Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,193
+7.4% YoY+2.1% QoQ
|
-8.4K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 11.3% in tier |
| Assets |
$114.5M
+0.3% YoY-1.6% QoQ
|
$-116.8M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.0% in tier |
| Loans |
$88.8M
+3.8% YoY+1.4% QoQ
|
$-59.0M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$100.8M
+0.5% YoY-1.7% QoQ
|
$-99.5M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.7% in tier |
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| ROA |
0.3%
-581.7% YoY+32.6% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
3.6%
+26.1% YoY+4.8% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
49% |
| Efficiency Ratio |
84.1%
-11.7% YoY-1.8% QoQ
|
+6.8% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.6%
+24.0% YoY+7.4% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
88.2%
+3.3% YoY+3.1% QoQ
|
+15.5% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$26,360
-5.0% YoY-2.4% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
43.6%
-1.4% YoY+3.4% QoQ
|
+19.1% |
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 (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)