BlastPoint's Credit Union Scorecard

WESTCHESTER SCHOOLS'

Charter #9532 · NY

<100M

2508 CUs in <100M nationally 179 in NY

WESTCHESTER SCHOOLS' has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.41% above tier average
+ Members Per Employee (MPE): Top 1.6% in tier

Key Concerns

Areas that may need attention

- Net Interest Margin (NIM): Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	2,751 +1.3% YoY+0.0% QoQ	+74	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	64%
Assets	$40.5M +3.4% YoY+1.0% QoQ	+$10.3M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	70%
Loans	$13.8M +2.0% YoY-1.2% QoQ	$-1.5M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	60%
Deposits	$35.5M +3.0% YoY+0.9% QoQ	+$9.7M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	70%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +19.4% YoY+7.0% QoQ	+0.4%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	47%
NIM	2.6% +4.7% YoY+1.0% QoQ	-1.5%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Bottom 8.7% in tier
Efficiency Ratio	80.0% -3.3% YoY-1.7% QoQ	-10.6%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	46%
Delinquency Rate	0.0% -25.7% QoQ	-1.5	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	16%
Loan To Share	39.0% -1.0% YoY-2.1% QoQ	-19.5%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	21%
AMR	$17,930 +1.4% YoY+0.2% QoQ	+$3K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	69%
CD Concentration	0.9% -19.6% YoY-2.2% QoQ	-23.4%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Members Per Employee (MPE)

engagement

Value: 917.000

Peer Median: 333.750

#42 of 2508 Top 1.6% in <100M tier

416

Total Delinquency Rate (60+ days)

risk

Value: 0.04%

Peer Median: 0.65%

#416 of 2508 Top 16.5% in <100M tier

536

Member Growth Rate

growth

Value: 1.29%

Peer Median: -1.37%

#536 of 2508 Top 21.3% in <100M tier

615

Share Certificate Concentration (%)

balance_sheet

Value: 0.87%

Peer Median: 12.45%

#615 of 2508 Top 24.5% in <100M tier

Top Weaknesses (3 metrics)

2290

Net Interest Margin (NIM)

profitability

Value: 2.56%

Peer Median: 3.83%

#2290 of 2508 Bottom 8.7% in <100M tier

1989

Loan-to-Share Ratio

balance_sheet

Value: 38.96%

Peer Median: 58.72%

#1989 of 2508 Bottom 20.7% in <100M tier

1891

Net Worth Ratio

risk

Value: 10.99%

Peer Median: 14.28%

#1891 of 2508 Bottom 24.6% in <100M tier