BlastPoint's Credit Union Scorecard
AMNH EMPLOYEES
Charter #930 · NY
2596 CUs in <100M nationally
188 in NY
AMNH EMPLOYEES has 4 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 14.37% above tier (higher cost structure)
- - Member decline: -4.7% YoY
- - Loan Growth Rate: Bottom 3.2% in tier
- - Loan-to-Share Ratio: Bottom 3.2% in tier
- - Total Loans: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 4.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
- - Total Members: Bottom 4.9% in tier
- - Total Assets: Bottom 6.2% in tier
- - Total Deposits: Bottom 6.3% in tier
- - Average Member Relationship (AMR): Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
203
-4.7% YoY-1.5% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 4.8% in tier |
| Assets |
$1.1M
-3.7% YoY-3.2% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.1% in tier |
| Loans |
$137,406
-27.1% YoY-3.7% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.2% in tier |
| Deposits |
$858,174
-4.6% YoY-4.2% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.3% in tier |
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| ROA |
0.2%
-50.2% YoY-44.8% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
3.5%
-7.0% YoY-3.3% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
95.8%
+9.6% YoY+3.4% QoQ
|
+14.4% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
85% |
| Delinquency Rate | 0.6% | -0.9 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
16.0%
-23.5% YoY+0.5% QoQ
|
-45.2% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.0% in tier |
| AMR |
$4,904
-4.0% YoY-2.7% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% 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: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
635
Net Worth Ratio
risk
Value:
19.25%
Peer Avg: -
#635 of 2596
Top 24.4% in <100M tier
Top Weaknesses (16 metrics)
2513
Loan Growth Rate
growth
Value:
-27.07%
Peer Avg: -
#2513 of 2596
Bottom 3.2% in <100M tier
2513
Loan-to-Share Ratio
balance_sheet
Value:
16.01%
Peer Avg: -
#2513 of 2596
Bottom 3.2% in <100M tier
2512
Total Loans
balance_sheet
Value:
$137,406
Peer Avg: -
#2512 of 2596
Bottom 3.3% in <100M tier
2482
Members Per Employee (MPE)
engagement
Value:
67.667
Peer Avg: -
#2482 of 2596
Bottom 4.4% in <100M tier
2480
Loan-to-Member Ratio (LMR)
engagement
Value:
$676.88
Peer Avg: -
#2480 of 2596
Bottom 4.5% in <100M tier
2471
Total Members
engagement
Value:
203
Peer Avg: -
#2471 of 2596
Bottom 4.9% in <100M tier
2437
Total Assets
balance_sheet
Value:
$1.07M
Peer Avg: -
#2437 of 2596
Bottom 6.2% in <100M tier
2433
Total Deposits
balance_sheet
Value:
$858,174
Peer Avg: -
#2433 of 2596
Bottom 6.3% in <100M tier
2364
Average Member Relationship (AMR)
engagement
Value:
$4,904
Peer Avg: -
#2364 of 2596
Bottom 9.0% in <100M tier
2228
Fee Income Per Member
profitability
Value:
$4.93
Peer Avg: -
#2228 of 2596
Bottom 14.2% in <100M tier