BlastPoint's Credit Union Scorecard
KENMORE N. Y. TEACHERS
Charter #858 · NY
KENMORE N. Y. TEACHERS has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.27% above tier average
- + Net Charge-Off Rate: Top 6.7% in tier
- + Asset Growth Rate: Top 7.5% in tier
- + Deposit Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 4.9% in tier
- - First Mortgage Concentration (%): Bottom 7.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,780
-0.9% YoY-0.2% QoQ
|
+1.1K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$69.6M
+9.8% YoY+6.5% QoQ
|
+$39.4M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Top 12.4% in tier |
| Loans |
$25.5M
-4.5% YoY-2.6% QoQ
|
+$10.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$63.8M
+10.0% YoY+7.2% QoQ
|
+$38.0M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Top 10.1% in tier |
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| ROA |
0.4%
-17.8% YoY-33.0% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
2.2%
-9.0% YoY-8.5% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.9% in tier |
| Efficiency Ratio |
83.8%
+3.1% YoY+9.7% QoQ
|
-6.8% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
55% |
| Delinquency Rate |
0.8%
-69.9% YoY-20.2% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
40.0%
-13.2% YoY-9.1% QoQ
|
-18.5% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
22% |
| AMR |
$23,624
+6.4% YoY+4.3% QoQ
|
+$9K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 11.2% in tier |
| CD Concentration |
16.6%
+15.5% YoY-7.8% QoQ
|
-7.7% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)