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BlastPoint's Credit Union Scorecard

ATT-WYO CORRECTIONAL EMPLOYEES

Charter #884 · NY

<100M
2437 CUs in <100M nationally 176 in NY

ATT-WYO CORRECTIONAL EMPLOYEES has 3 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.51% above tier average
  • + Net Interest Margin 0.20% above tier average
  • + Efficiency Ratio: Top 5.7% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -4.4% YoY
  • - Loan-to-Share Ratio: Bottom 9.4% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
  • Shares and deposits -1.4% year over year ($13.4M in shares and deposits).
  • Membership: 1,575 members, -4.4% vs a year ago.
  • Delinquency rate 0.62%.
  • Return on assets 2.00%.
  • Efficiency ratio 52.34% vs a 88.77% peer average.
  • Loan-to-share ratio 27.83% vs a 58.89% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 1,575
-4.4% YoY-1.4% QoQ
-1.0K 2,585
-1.7% YoY
27,051
+5.9% YoY
34,678
+6.6% YoY
42%
Assets $16.7M
+0.5% YoY+3.4% QoQ
$-13.6M $30.3M
+1.5% YoY
$505.5M
+8.1% YoY
$593.1M
+10.2% YoY
43%
Loans $3.7M
-16.0% YoY-4.6% QoQ
$-11.7M $15.5M
-1.7% YoY
$338.7M
+9.1% YoY
$418.6M
+10.1% YoY
28%
Deposits $13.4M
-1.4% YoY+3.5% QoQ
$-12.4M $25.8M
+1.1% YoY
$431.4M
+8.2% YoY
$504.8M
+10.3% YoY
42%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 2.0%
-3.5% YoY+13.5% QoQ
+0.5% 1.5%
+241.5% YoY
1.2%
+60.1% YoY
1.2%
+121.4% YoY
Top 9.5% in tier
NIM 4.1%
+0.1% YoY+8.2% QoQ
+0.2% 3.9%
+0.9% YoY
3.6%
-0.3% YoY
3.8%
+2.3% YoY
61%
Efficiency Ratio 52.3%
+28.0% YoY-4.2% QoQ
-36.4% 88.8%
-6.9% YoY
80.5%
+0.8% YoY
83.0%
-5.3% YoY
Top 5.7% in tier
Delinquency Rate 0.6% -0.9 1.5%
+2.1% YoY
1.7%
-18.0% YoY
1.3%
+2.6% YoY
47%
Loan To Share 27.8%
-14.8% YoY-7.8% QoQ
-31.1% 58.9%
-3.1% YoY
59.8%
-1.2% YoY
66.4%
-1.4% YoY
Bottom 9.3% in tier
AMR $10,907
-0.6% YoY+3.1% QoQ
$-4K $14,963
-6.8% YoY
$19,620
+2.7% YoY
$20,028
-0.9% YoY
33%
CD Concentration 1.0%
-0.4% YoY-10.9% QoQ
-23.6% 24.6% 16.4% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 2.7% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2437 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2437 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.59%
#1 of 2437 Top 0.1% in <100M tier
140
Efficiency Ratio
profitability
Value: 52.34%
Peer Median: 80.65%
#140 of 2437 Top 5.7% in <100M tier
232
Return on Assets (ROA)
profitability
Value: 2.00%
Peer Median: 0.81%
#232 of 2437 Top 9.5% in <100M tier
603
Share Certificate Concentration (%)
balance_sheet
Value: 0.96%
Peer Median: 12.77%
#603 of 2437 Top 24.7% in <100M tier

Top Weaknesses (5 metrics)

2209
Loan-to-Share Ratio
balance_sheet
Value: 27.83%
Peer Median: 58.67%
#2209 of 2437 Bottom 9.4% in <100M tier
2167
Loan Growth Rate
growth
Value: -16.02%
Peer Median: -2.63%
#2167 of 2437 Bottom 11.1% in <100M tier
2020
Loan-to-Member Ratio (LMR)
engagement
Value: $2,375
Peer Median: $4,937
#2020 of 2437 Bottom 17.2% in <100M tier
1984
Fee Income Per Member
profitability
Value: $10.40
Peer Median: $63.89
#1984 of 2437 Bottom 18.6% in <100M tier
1926
Member Growth Rate
growth
Value: -4.43%
Peer Median: -1.37%
#1926 of 2437 Bottom 21.0% in <100M tier
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