BlastPoint's Credit Union Scorecard

INNER LAKES

Charter #7717 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

INNER LAKES has 7 strengths but faces 6 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
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.08% above tier average
+ Strong member growth: 5.2% YoY
+ First Mortgage Concentration (%): Top 9.6% in tier
+ Member Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Loan-to-Share Ratio: Bottom 3.1% in tier
- Loan-to-Member Ratio (LMR): Bottom 5.5% in tier
- Total Loans: Bottom 7.9% in tier
- Fee Income Per Member: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	11,069 +5.2% YoY+5.7% QoQ	-4.1K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	38%
Assets	$162.1M +5.9% YoY+1.8% QoQ	$-69.7M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	36%
Loans	$54.0M +0.5% YoY+0.4% QoQ	$-90.2M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	Bottom 7.9% in tier
Deposits	$152.3M +4.7% YoY+1.9% QoQ	$-48.9M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	42%

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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	0.8% -25.1% YoY+13.0% QoQ	+0.1%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	58%
NIM	3.2% +1.1% YoY+3.7% QoQ	-0.4%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	25%
Efficiency Ratio	72.3% +4.1% YoY-0.6% QoQ	-5.8%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	29%
Delinquency Rate	0.6% -46.2% YoY+30.0% QoQ	-0.2	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	47%
Loan To Share	35.4% -4.0% YoY-1.5% QoQ	-35.0%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	Bottom 3.0% in tier
AMR	$18,631 -1.5% YoY-3.9% QoQ	$-6K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	25%
CD Concentration	22.6% +7.6% YoY-2.4% QoQ	-1.7%	24.3%	16.4%	19.8%	50%
Indirect Auto %	10.1% -12.5% YoY-3.0% QoQ	-3.7%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#76 of 371 • 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): 5.21%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 10.07%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#147 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.21%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.81%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 10.07%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#75 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.81%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 5.21%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#171 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.54%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

Margin Compression

decline

#112 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.81%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.08%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.27% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (3 metrics)

104

First Mortgage Concentration (%)

balance_sheet

Value: 7.79%

Peer Median: 29.47%

#104 of 1070 Top 9.6% in 100M-500M tier

106

Member Growth Rate

growth

Value: 5.21%

Peer Median: -0.06%

#106 of 1070 Top 9.8% in 100M-500M tier

192

Members Per Employee (MPE)

engagement

Value: 409.963

Peer Median: 309.176

#192 of 1070 Top 17.9% in 100M-500M tier

Top Weaknesses (7 metrics)

1038

Loan-to-Share Ratio

balance_sheet

Value: 35.44%

Peer Median: 71.88%

#1038 of 1070 Bottom 3.1% in 100M-500M tier

1012

Loan-to-Member Ratio (LMR)

engagement

Value: $4,875

Peer Median: $9,356

#1012 of 1070 Bottom 5.5% in 100M-500M tier

986

Total Loans

balance_sheet

Value: $53.96M

Peer Median: $121.41M

#986 of 1070 Bottom 7.9% in 100M-500M tier

975

Fee Income Per Member

profitability

Value: $76.23

Peer Median: $154.95

#975 of 1070 Bottom 9.0% in 100M-500M tier

931

AMR Growth Rate

growth

Value: -1.54%

Peer Median: 3.46%

#931 of 1070 Bottom 13.1% in 100M-500M tier

807

Net Interest Margin (NIM)

profitability

Value: 3.20%

Peer Median: 3.62%

#807 of 1070 Bottom 24.7% in 100M-500M tier

807

Average Member Relationship (AMR)

engagement

Value: $18,631

Peer Median: $22,931

#807 of 1070 Bottom 24.7% in 100M-500M tier