BlastPoint's Credit Union Scorecard
LINTON
Charter #9676 · NY
LINTON has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.60% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Deposit Growth Rate: Top 4.3% in tier
- + Asset Growth Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.3% YoY
- - Fee Income Per Member: Bottom 5.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
810
-3.3% YoY0% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$8.2M
+12.2% YoY+7.4% QoQ
|
$-22.0M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$3.6M
-6.9% YoY-7.3% QoQ
|
$-11.7M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
27% |
| Deposits |
$6.4M
+13.6% YoY+8.7% QoQ
|
$-19.4M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
0.7%
-36.4% YoY-40.0% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
57% |
| NIM |
3.0%
-18.3% YoY-16.1% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
75.0%
+10.4% YoY+19.2% QoQ
|
-15.6% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
35% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
55.8%
-18.0% YoY-14.7% QoQ
|
-2.7% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$12,335
+8.9% YoY+2.4% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration |
35.2%
+35.1% YoY+4.4% QoQ
|
+11.0% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)