BlastPoint's Credit Union Scorecard

SAINT LAWRENCE

Charter #9871 · NY

100M-500M

1024 CUs in 100M-500M nationally 55 in NY

SAINT LAWRENCE has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Deposit Growth Rate: Top 6.2% in tier
+ Asset Growth Rate: Top 6.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Efficiency ratio 4.12% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 9.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
Shares and deposits +11.0% year over year ($239M in shares and deposits).
Membership: 13,363 members, +1.3% vs a year ago.
Delinquency rate 0.54%.
Return on assets 0.82%.
Efficiency ratio 80.85% vs a 76.73% peer average.
Loan-to-share ratio 79.50% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	13,363 +1.3% YoY+0.2% QoQ	-1.8K	15,168 -2.6% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	51%
Assets	$272.3M +11.0% YoY+1.7% QoQ	+$40.3M	$232.0M +0.7% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	68%
Loans	$190.2M +10.3% YoY-0.1% QoQ	+$44.0M	$146.3M +0.2% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	73%
Deposits	$239.3M +11.0% YoY+1.6% QoQ	+$38.5M	$200.7M +0.2% YoY	$431.4M +8.2% YoY	$504.8M +10.3% YoY	68%

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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	0.8% -22.5% YoY+44.2% QoQ	+0.0%	0.9% +12.5% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	54%
NIM	3.4% -1.5% YoY+1.9% QoQ	-0.2%	3.7% +4.5% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	36%
Efficiency Ratio	80.9% +7.9% YoY-5.2% QoQ	+4.1%	76.7% -0.8% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	61%
Delinquency Rate	0.5% -31.9% YoY-25.7% QoQ	-0.3	0.9% +6.6% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	40%
Loan To Share	79.5% -0.7% YoY-1.6% QoQ	+8.0%	71.5% -0.3% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	63%
AMR	$32,139 +9.3% YoY+0.6% QoQ	+$7K	$25,107 +3.2% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	Top 14.7% in tier
CD Concentration	34.4% -2.0% YoY-0.8% QoQ	+9.8%	24.6%	16.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.7%	7.7%	50%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#44 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 9.32%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.4K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth

#146 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.32%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Organic Growth Engine

growth

#239 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.25%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.82%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank worsening

Organic Growth Leader

growth

#268 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.25%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk

#407 of 531 • 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: 80.85%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.24% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 1.25%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Margin Compression

decline

#113 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.82%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 1.06%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.24% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Cost Spiral

risk

#91 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.93% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 74.92%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | 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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.01%

Peer Median: 3.58%

#64 of 1024 Top 6.2% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.98%

Peer Median: 4.12%

#68 of 1024 Top 6.5% in 100M-500M tier

116

AMR Growth Rate

growth

Value: 9.32%

Peer Median: 3.53%

#116 of 1024 Top 11.2% in 100M-500M tier

150

Loan-to-Member Ratio (LMR)

engagement

Value: $14,235

Peer Median: $9,434

#150 of 1024 Top 14.6% in 100M-500M tier

151

Average Member Relationship (AMR)

engagement

Value: $32,139

Peer Median: $23,006

#151 of 1024 Top 14.6% in 100M-500M tier

154

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.34%

#154 of 1024 Top 14.9% in 100M-500M tier

159

Loan Growth Rate

growth

Value: 10.28%

Peer Median: 3.02%

#159 of 1024 Top 15.4% in 100M-500M tier

232

Fee Income Per Member

profitability

Value: $214.58

Peer Median: $159.88

#232 of 1024 Top 22.6% in 100M-500M tier

Top Weaknesses (3 metrics)

930

Members Per Employee (MPE)

engagement

Value: 219.066

Peer Median: 310.924

#930 of 1024 Bottom 9.3% in 100M-500M tier

849

Share Certificate Concentration (%)

balance_sheet

Value: 34.36%

Peer Median: 23.39%

#849 of 1024 Bottom 17.2% in 100M-500M tier

818

First Mortgage Concentration (%)

balance_sheet

Value: 45.43%

Peer Median: 29.92%

#818 of 1024 Bottom 20.2% in 100M-500M tier