BlastPoint's Credit Union Scorecard
NEXT STEP
Charter #9486 · NY
NEXT STEP has 1 strength but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.7% in tier
- - Stagnation Risk: Bottom 10.4% in tier
- - Membership Headwinds: Bottom 13.6% in tier
- - Institutional Decline: Bottom 19.2% in tier
- - Cost Spiral: Bottom 22.6% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 1.54% above tier (higher cost structure)
- - Delinquency rate 1.86% above tier average
- - Member decline: -3.0% YoY
- - Total Loans: Bottom 1.7% in tier
- - Total Members: Bottom 2.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.8% in tier
- - Loan-to-Share Ratio: Bottom 3.1% in tier
- - Total Assets: Bottom 3.6% in tier
- - Fee Income Per Member: Bottom 5.2% in tier
- - Loan Growth Rate: Bottom 6.3% in tier
- - Total Deposits: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,617
-3.0% YoY+0.3% QoQ
|
-11.0K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 2.2% in tier |
| Assets |
$105.6M
+1.3% YoY-2.7% QoQ
|
$-125.7M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.5% in tier |
| Loans |
$34.0M
-7.7% YoY-2.9% QoQ
|
$-113.8M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.6% in tier |
| Deposits |
$95.3M
+1.5% YoY-3.0% QoQ
|
$-105.0M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.8% in tier |
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| ROA |
0.5%
-15.8% YoY+42.7% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
2.9%
-0.1% YoY+3.2% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
15% |
| Efficiency Ratio |
78.8%
+8.5% YoY-3.2% QoQ
|
+1.5% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
56% |
| Delinquency Rate |
2.7%
+26.7% YoY+3.1% QoQ
|
+1.9 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.8% in tier |
| Loan To Share |
35.7%
-9.1% YoY+0.1% QoQ
|
-37.0% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.0% in tier |
| AMR |
$28,014
+2.0% YoY-3.3% QoQ
|
+$4K |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
77% |
| CD Concentration |
17.4%
+38.6% YoY+6.5% QoQ
|
-7.0% |
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)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)