BlastPoint's Credit Union Scorecard
SAINT LAWRENCE
Charter #9871 · NY
SAINT LAWRENCE has 7 strengths but faces 4 concerns
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 Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Deposit Growth Rate: Top 4.3% in tier
- + Asset Growth Rate: Top 6.9% in tier
- + AMR Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 7.30% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,338
+1.7% YoY+0.2% QoQ
|
-1.8K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$267.7M
+11.2% YoY+3.5% QoQ
|
+$36.0M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$190.4M
+11.1% YoY+6.1% QoQ
|
+$46.3M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$235.6M
+12.7% YoY+6.8% QoQ
|
+$34.4M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
67% |
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| ROA |
0.6%
-44.1% YoY-40.6% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
41% |
| NIM |
3.4%
-1.5% YoY-1.8% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
35% |
| Efficiency Ratio |
85.3%
+13.4% YoY+10.3% QoQ
|
+7.3% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
0.7%
-34.5% YoY-17.9% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
80.8%
-1.4% YoY-0.6% QoQ
|
+10.4% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$31,937
+10.1% YoY+6.3% QoQ
|
+$7K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 14.4% in tier |
| CD Concentration |
34.6%
-0.5% YoY-2.1% QoQ
|
+10.4% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)