BlastPoint's Credit Union Scorecard
COXSACKIE CORRECTIONAL EMP.
Charter #888 · NY
COXSACKIE CORRECTIONAL EMP. has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.44% above tier average
- + Net Worth Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 2.22% below tier average
- - Delinquency rate 2.07% above tier average
- - Member decline: -13.4% YoY
- - Net Charge-Off Rate: Bottom 1.3% in tier
- - Member Growth Rate: Bottom 3.7% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Loan Growth Rate: Bottom 6.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
530
-13.4% YoY-1.3% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 14.5% in tier |
| Assets |
$4.4M
-0.8% YoY+0.1% QoQ
|
$-25.8M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$2.0M
-20.4% YoY-8.4% QoQ
|
$-13.3M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$3.1M
-1.2% YoY+0.9% QoQ
|
$-22.7M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
-2.1%
-181.1% YoY-288.2% QoQ
|
-2.2% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.6% in tier |
| NIM |
4.4%
-8.3% YoY-7.5% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
75% |
| Efficiency Ratio |
70.7%
+50.0% YoY+15.3% QoQ
|
-19.9% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
3.6%
-57.2% YoY-56.2% QoQ
|
+2.1 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.2% in tier |
| Loan To Share |
63.7%
-19.4% YoY-9.2% QoQ
|
+5.2% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$9,606
+4.3% YoY-1.7% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
3.9%
-47.2% YoY-45.9% QoQ
|
-20.4% | 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)