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Charter #9486 · NY

100M-500M
1069 CUs in 100M-500M nationally 54 in NY

NEXT STEP faces 8 concerns requiring attention

National Analysis

How does the industry compare?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Membership Headwinds: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - Institutional Decline: Bottom 50.0% in tier
  • - ROA 0.38% below tier average
  • - Efficiency ratio 6.59% above tier (higher cost structure)
  • - Delinquency rate 1.26% above tier average

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 4,583
-3.2% YoY-0.7% QoQ
 -10.9K 15,437
-2.9% YoY
 26,134
+5.1% YoY
 33,374
+5.7% YoY
 Bottom 2.3% in tier
Assets $105.9M
+0.5% YoY+0.4% QoQ
 $-125.9M $231.9M
+1.3% YoY
 $482.3M
+7.4% YoY
 $561.6M
+9.7% YoY
 Bottom 3.8% in tier
Loans $34.1M
-7.3% YoY+0.3% QoQ
 $-113.2M $147.3M
-0.1% YoY
 $324.6M
+7.8% YoY
 $397.0M
+8.8% YoY
 Bottom 1.6% in tier
Deposits $95.5M
+0.1% YoY+0.2% QoQ
 $-105.3M $200.8M
+0.8% YoY
 $411.3M
+7.7% YoY
 $477.3M
+9.7% YoY
 Bottom 6.5% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.4%
+49.3% YoY-24.4% QoQ
 -0.4% 0.8%
+18.2% YoY
 0.7%
+147.7% YoY
 0.7%
+15.9% YoY
 23%
NIM 2.9%
+1.0% YoY+1.5% QoQ
 -0.7% 3.6%
+6.7% YoY
 3.6%
+4.1% YoY
 3.8%
+5.1% YoY
 16%
Efficiency Ratio 83.6%
+2.4% YoY+6.1% QoQ
 +6.6% 77.0%
-3.1% YoY
 80.7%
-3.4% YoY
 79.7%
-3.3% YoY
 73%
Delinquency Rate 2.2%
+19.2% YoY-20.9% QoQ
 +1.3 0.9%
+4.2% YoY
 1.6%
-19.7% YoY
 1.3%
-2.1% YoY
 Bottom 6.1% in tier
Loan To Share 35.7%
-7.4% YoY+0.1% QoQ
 -36.5% 72.2%
-1.1% YoY
 60.4%
-2.5% YoY
 67.4%
-1.7% YoY
 Bottom 2.9% in tier
AMR $28,277
+1.3% YoY+0.9% QoQ
 +$4K $24,676
+3.4% YoY
 $19,178
-21.9% YoY
 $19,687
+2.0% YoY
 76%
CD Concentration 17.1%
+29.9% YoY-2.2% QoQ
 -7.4% 24.4% 16.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 2.6% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk
#47 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -3.19%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -7.28%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Rate: 2.15%
(Tier: 0.89%, National: 1.28%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk
#212 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.35% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

Membership Headwinds

decline
#239 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -3.19%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk
#312 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.61%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.13% points
(Tier: 0.11% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): -3.19%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | Rank improving

Institutional Decline

decline
#148 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $105.93M
(Tier: $334.15M, National: $561.61M)
worse than tier avg
Member Growth (YoY): -3.19%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -7.28%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally
→ No prior data (240 CUs now) | New qualifier

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)

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 1069 Top 0.1% in 100M-500M tier
253
Average Member Relationship (AMR)
engagement
Value: $28,277
Peer Median: -
#253 of 1069 Top 23.6% in 100M-500M tier
259
First Mortgage Concentration (%)
balance_sheet
Value: 17.10%
Peer Median: -
#259 of 1069 Top 24.1% in 100M-500M tier

Top Weaknesses (14 metrics)

1052
Total Loans
balance_sheet
Value: $34.13M
Peer Median: -
#1052 of 1069 Bottom 1.7% in 100M-500M tier
1044
Total Members
engagement
Value: 4,583
Peer Median: -
#1044 of 1069 Bottom 2.4% in 100M-500M tier
1038
Loan-to-Share Ratio
balance_sheet
Value: 35.75%
Peer Median: -
#1038 of 1069 Bottom 3.0% in 100M-500M tier
1028
Total Assets
balance_sheet
Value: $105.93M
Peer Median: -
#1028 of 1069 Bottom 3.9% in 100M-500M tier
1024
Fee Income Per Member
profitability
Value: $69.48
Peer Median: -
#1024 of 1069 Bottom 4.3% in 100M-500M tier
1005
Loan Growth Rate
growth
Value: -7.28%
Peer Median: -
#1005 of 1069 Bottom 6.1% in 100M-500M tier
1005
Total Delinquency Rate (60+ days)
risk
Value: 2.15%
Peer Median: -
#1005 of 1069 Bottom 6.1% in 100M-500M tier
999
Total Deposits
balance_sheet
Value: $95.46M
Peer Median: -
#999 of 1069 Bottom 6.6% in 100M-500M tier
897
Net Interest Margin (NIM)
profitability
Value: 2.93%
Peer Median: -
#897 of 1069 Bottom 16.2% in 100M-500M tier
879
Asset Growth Rate
growth
Value: 0.52%
Peer Median: -
#879 of 1069 Bottom 17.9% in 100M-500M tier
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