BlastPoint's Credit Union Scorecard
COXSACKIE CORRECTIONAL EMP.
Charter #888 · NY
2596 CUs in <100M nationally
188 in NY
COXSACKIE CORRECTIONAL EMP. has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 6.56% above tier average
- - Member decline: -4.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.8% in tier
- - Net Charge-Off Rate: Bottom 4.4% in tier
- - Fee Income Per Member: Bottom 4.9% in tier
- - Loan Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
584
-4.6% YoY-3.2% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$4.5M
+1.1% YoY-0.4% QoQ
|
$-25.4M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$2.2M
-17.5% YoY-3.3% QoQ
|
$-13.6M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$3.2M
+1.0% YoY-1.0% QoQ
|
$-22.3M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
17% |
| ROA |
1.1%
-38.4% YoY+8.0% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
4.8%
-5.6% YoY-1.9% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
57.0%
+14.5% YoY-2.2% QoQ
|
-24.4% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.0% in tier |
| Delinquency Rate |
8.1%
+37.8% YoY-9.8% QoQ
|
+6.6 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.8% in tier |
| Loan To Share |
68.9%
-18.3% YoY-2.3% QoQ
|
+7.6% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$9,162
-3.0% YoY+1.2% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
25% |
| CD Concentration |
6.9%
-9.2% YoY+1.0% QoQ
|
-17.5% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
179
Net Worth Ratio
risk
Value:
28.67%
Peer Avg: 16.43%
#179 of 2596
Top 6.9% in <100M tier
286
Efficiency Ratio
profitability
Value:
57.01%
Peer Avg: 81.39%
#286 of 2596
Top 11.0% in <100M tier
456
Net Interest Margin (NIM)
profitability
Value:
4.83%
Peer Avg: 3.93%
#456 of 2596
Top 17.5% in <100M tier
Top Weaknesses (11 metrics)
2524
Total Delinquency Rate (60+ days)
risk
Value:
8.07%
Peer Avg: 1.51%
#2524 of 2596
Bottom 2.8% in <100M tier
2483
Net Charge-Off Rate
risk
Value:
2.45%
Peer Avg: 0.57%
#2483 of 2596
Bottom 4.4% in <100M tier
2469
Fee Income Per Member
profitability
Value:
$0.09
Peer Avg: $182.96
#2469 of 2596
Bottom 4.9% in <100M tier
2384
Loan Growth Rate
growth
Value:
-17.48%
Peer Avg: 59.01%
#2384 of 2596
Bottom 8.2% in <100M tier
2187
Total Members
engagement
Value:
584
Peer Avg: 2,626
#2187 of 2596
Bottom 15.8% in <100M tier
2165
Total Deposits
balance_sheet
Value:
$3.17M
Peer Avg: $25.45M
#2165 of 2596
Bottom 16.6% in <100M tier
2144
Total Assets
balance_sheet
Value:
$4.45M
Peer Avg: $29.86M
#2144 of 2596
Bottom 17.4% in <100M tier
2108
Total Loans
balance_sheet
Value:
$2.18M
Peer Avg: $15.77M
#2108 of 2596
Bottom 18.8% in <100M tier
2087
Member Growth Rate
growth
Value:
-4.58%
Peer Avg: 14.92%
#2087 of 2596
Bottom 19.6% in <100M tier
1956
AMR Growth Rate
growth
Value:
-3.02%
Peer Avg: 4.67%
#1956 of 2596
Bottom 24.7% in <100M tier