BlastPoint's Credit Union Scorecard
I R E B
Charter #9952 · NY
I R E B has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 6.29% above tier average
- - Member decline: -6.4% YoY
- - Loan-to-Share Ratio: Bottom 2.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.2% in tier
- - Members Per Employee (MPE): Bottom 3.6% in tier
- - Loan Growth Rate: Bottom 3.9% in tier
- - Total Loans: Bottom 5.4% in tier
- - Total Members: Bottom 5.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
234
-6.4% YoY-4.5% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 5.5% in tier |
| Assets |
$2.6M
-4.2% YoY-2.3% QoQ
|
$-27.6M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.4% in tier |
| Loans |
$297,600
-25.1% YoY-9.8% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.3% in tier |
| Deposits |
$2.1M
-5.1% YoY-3.0% QoQ
|
$-23.7M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-48.1% YoY+516.3% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
3.1%
+7.9% YoY+11.2% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
89.5%
+10.3% YoY-9.0% QoQ
|
-1.1% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
7.8%
+303.5% QoQ
|
+6.3 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.2% in tier |
| Loan To Share |
14.0%
-21.0% YoY-7.1% QoQ
|
-44.5% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.6% in tier |
| AMR |
$10,336
-1.8% YoY+0.6% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration | 0.0% | -24.3% | 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)