BlastPoint's Credit Union Scorecard
COXSACKIE CORRECTIONAL EMP.
Charter #888 · NY
COXSACKIE CORRECTIONAL EMP. has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.59% above tier average
- + Net Worth Ratio: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Delinquency rate 6.14% above tier average
- - Member decline: -12.4% YoY
- - Net Charge-Off Rate: Bottom 2.2% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.4% in tier
- - Member Growth Rate: Bottom 4.2% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
528
-12.4% YoY-0.4% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 14.4% in tier |
| Assets |
$4.4M
-1.0% YoY+0.9% QoQ
|
$-25.9M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$1.9M
-16.1% YoY-4.5% QoQ
|
$-13.6M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$3.2M
-1.5% YoY+1.4% QoQ
|
$-22.6M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
0.9%
-7.8% YoY-144.3% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
4.5%
-8.9% YoY+1.0% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
62.8%
+7.7% YoY-11.2% QoQ
|
-26.0% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 14.7% in tier |
| Delinquency Rate |
7.7%
-14.1% YoY+115.1% QoQ
|
+6.1 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.4% in tier |
| Loan To Share |
60.0%
-14.9% YoY-5.8% QoQ
|
+1.1% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$9,558
+5.6% YoY-0.5% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
3.8%
-44.6% YoY-1.4% QoQ
|
-20.7% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)