BlastPoint's Credit Union Scorecard
COXSACKIE CORRECTIONAL EMP.
Charter #888 · NY
COXSACKIE CORRECTIONAL EMP. has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Net Interest Margin 0.85% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 6.60% above tier average
- - Member decline: -12.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.9% in tier
- - Net Charge-Off Rate: Bottom 3.5% in tier
- - Member Growth Rate: Bottom 3.9% in tier
- - Loan Growth Rate: Bottom 6.8% in tier
- - Fee Income Per Member: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
537
-12.3% YoY-8.0% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 14.6% in tier |
| Assets |
$4.4M
+0.8% YoY-1.6% QoQ
|
$-25.8M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.2M
-18.3% YoY-0.8% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$3.1M
-0.3% YoY-2.7% QoQ
|
$-22.6M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
1.1%
+15.6% YoY+2.5% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
4.8%
-5.4% YoY-0.4% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
61.4%
+26.6% YoY+7.7% QoQ
|
-21.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate |
8.2%
+45.8% YoY+1.1% QoQ
|
+6.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 2.9% in tier |
| Loan To Share |
70.2%
-18.1% YoY+1.9% QoQ
|
+9.6% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$9,769
+4.1% YoY+6.6% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
7.1%
-4.1% YoY+2.8% QoQ
|
-17.3% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)