BlastPoint's Credit Union Scorecard
KENMORE N. Y. TEACHERS
Charter #858 · NY
KENMORE N. Y. TEACHERS has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Net Interest Margin (NIM): Bottom 5.5% in tier
- - First Mortgage Concentration (%): Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,802
-0.8% YoY+0.1% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$65.0M
+4.8% YoY-2.3% QoQ
|
+$35.1M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Top 14.4% in tier |
| Loans |
$26.5M
-4.8% YoY+0.9% QoQ
|
+$10.7M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$59.2M
+5.4% YoY-2.6% QoQ
|
+$33.7M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Top 12.3% in tier |
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| ROA |
0.6%
-27.5% YoY+18.6% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
2.3%
-6.4% YoY+2.3% QoQ
|
-1.6% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.5% in tier |
| Efficiency Ratio |
77.8%
+15.3% YoY-4.5% QoQ
|
-3.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
1.0%
+46.1% YoY-40.7% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
44.8%
-9.6% YoY+3.6% QoQ
|
-16.4% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
25% |
| AMR |
$22,532
+2.8% YoY-1.7% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Top 12.7% in tier |
| CD Concentration |
18.0%
+41.6% YoY+19.3% QoQ
|
-6.4% |
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 (0)
Concerns (0)
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)