BlastPoint's Credit Union Scorecard
ALCO
Charter #8975 · NY
ALCO demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + Net Interest Margin 0.40% above tier average
- + Total Members: Top 6.2% in tier
- + Fee Income Per Member: Top 9.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,782
+1.0% YoY-0.4% QoQ
|
+4.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 6.2% in tier |
| Assets |
$59.2M
+6.3% YoY-0.1% QoQ
|
+$29.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$32.5M
+0.1% YoY-1.7% QoQ
|
+$16.8M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$51.1M
+5.8% YoY-0.5% QoQ
|
+$25.4M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
82% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
-14.6% YoY+6.2% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
4.4%
+7.3% YoY+2.0% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
74.4%
+1.1% YoY+0.8% QoQ
|
-8.1% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.9%
+53.8% YoY-9.2% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
63.7%
-5.4% YoY-1.1% QoQ
|
+3.1% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$12,326
+2.5% YoY-0.6% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
12.3%
+9.7% YoY-7.3% QoQ
|
-12.1% | 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)