BlastPoint's Credit Union Scorecard

SALT CITY

Charter #8512 · NY

100M-500M

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

SALT CITY has 3 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Deposit Growth Rate: Top 8.0% in tier
+ Asset Growth Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.36% below tier average
- Efficiency ratio 10.34% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 7.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	7,032 +3.6% YoY+0.3% QoQ	-8.1K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	Bottom 11.8% in tier
Assets	$117.0M +10.5% YoY+6.8% QoQ	$-114.7M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	Bottom 11.5% in tier
Loans	$69.6M +10.5% YoY+0.1% QoQ	$-74.5M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	17%
Deposits	$105.9M +10.5% YoY+7.5% QoQ	$-95.3M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	Bottom 14.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -36.8% YoY-52.4% QoQ	-0.4%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	27%
NIM	3.0% -10.6% YoY-10.6% QoQ	-0.6%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	88.4% +3.1% YoY+10.4% QoQ	+10.3%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	0.5% +53.2% YoY-50.9% QoQ	-0.3	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	43%
Loan To Share	65.8% -0.0% YoY-6.9% QoQ	-4.7%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	37%
AMR	$24,955 +6.7% YoY+4.2% QoQ	+$37	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	61%
CD Concentration	34.6% +23.7% YoY+10.5% QoQ	+10.4%	24.3%	16.4%	19.8%	50%
Indirect Auto %	41.0% +33.6% YoY+4.0% QoQ	+27.2%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#313 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.65%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk

#45 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 10.49%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 40.97%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.59%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Risk Growth

risk

#111 of 476 • 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): 10.47%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.18% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#356 of 727 • 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): 0.18% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#297 of 596 • 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: 88.36%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.21% points

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

worse than tier avg

Member Growth (YoY): 3.59%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 (6 metrics)

Deposit Growth Rate

growth

Value: 10.50%

Peer Median: 3.30%

#87 of 1070 Top 8.0% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.49%

Peer Median: 3.91%

#95 of 1070 Top 8.8% in 100M-500M tier

161

Loan Growth Rate

growth

Value: 10.47%

Peer Median: 2.93%

#161 of 1070 Top 15.0% in 100M-500M tier

180

Member Growth Rate

growth

Value: 3.59%

Peer Median: -0.06%

#180 of 1070 Top 16.7% in 100M-500M tier

185

First Mortgage Concentration (%)

balance_sheet

Value: 13.21%

Peer Median: 29.47%

#185 of 1070 Top 17.2% in 100M-500M tier

241

AMR Growth Rate

growth

Value: 6.65%

Peer Median: 3.46%

#241 of 1070 Top 22.4% in 100M-500M tier

Top Weaknesses (9 metrics)

991

Indirect Auto Concentration (%)

balance_sheet

Value: 40.97%

Peer Median: 6.61%

#991 of 1070 Bottom 7.5% in 100M-500M tier

947

Total Assets

balance_sheet

Value: $117.01M

Peer Median: $196.57M

#947 of 1070 Bottom 11.6% in 100M-500M tier

944

Total Members

engagement

Value: 7,032

Peer Median: 13,200

#944 of 1070 Bottom 11.9% in 100M-500M tier

930

Net Worth Ratio

risk

Value: 8.96%

Peer Median: 11.45%

#930 of 1070 Bottom 13.2% in 100M-500M tier

915

Total Deposits

balance_sheet

Value: $105.87M

Peer Median: $171.29M

#915 of 1070 Bottom 14.6% in 100M-500M tier

904

Share Certificate Concentration (%)

balance_sheet

Value: 34.63%

Peer Median: 23.10%

#904 of 1070 Bottom 15.6% in 100M-500M tier

895

Net Interest Margin (NIM)

profitability

Value: 3.00%

Peer Median: 3.62%

#895 of 1070 Bottom 16.4% in 100M-500M tier

889

Total Loans

balance_sheet

Value: $69.62M

Peer Median: $121.41M

#889 of 1070 Bottom 17.0% in 100M-500M tier

863

Efficiency Ratio

profitability

Value: 88.36%

Peer Median: 78.68%

#863 of 1070 Bottom 19.4% in 100M-500M tier