BlastPoint's Credit Union Scorecard
INNER LAKES
Charter #7717 · NY
INNER LAKES has 1 strength but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 96.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.0% in tier
- - Membership Headwinds: Bottom 23.3% in tier
- - Stagnation Risk: Bottom 23.8% in tier
- - Institutional Decline: Bottom 26.0% in tier
- - Margin Compression: Bottom 27.7% in tier
- - ROA 0.02% below tier average
- - Delinquency rate 1.10% above tier average
- - Loan-to-Share Ratio: Bottom 3.3% in tier
- - Total Loans: Bottom 6.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.3% in tier
- - Fee Income Per Member: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,462
-1.5% YoY+14.0% QoQ
|
-5.2K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$156.9M
+7.7% YoY+0.4% QoQ
|
$-74.4M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$54.2M
-4.7% YoY+1.1% QoQ
|
$-93.6M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.4% in tier |
| Deposits |
$147.3M
+6.9% YoY-0.9% QoQ
|
$-53.0M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
0.8%
-23.1% YoY-12.4% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
3.1%
+1.3% YoY-0.0% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
71.5%
+2.4% YoY+2.8% QoQ
|
-5.8% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
2.0%
+62.2% YoY+92.5% QoQ
|
+1.1 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 7.3% in tier |
| Loan To Share |
36.8%
-10.8% YoY+2.0% QoQ
|
-35.9% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.2% in tier |
| AMR |
$19,263
+5.2% YoY-12.6% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
23.5%
+17.4% YoY+6.6% QoQ
|
-0.9% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.2%
-26.2% YoY+2.4% QoQ
|
-3.8% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)