BlastPoint's Credit Union Scorecard
I R E B
Charter #9952 · NY
I R E B faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.20% below tier average
- - Efficiency ratio 2.95% above tier (higher cost structure)
- - Delinquency rate 6.53% above tier average
- - Member decline: -6.1% YoY
- - Loan-to-Share Ratio: Bottom 2.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.1% in tier
- - Members Per Employee (MPE): Bottom 3.6% in tier
- - Total Loans: Bottom 5.1% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -5.8% year over year ($2.1M in shares and deposits).
- Membership: 232 members, -6.1% vs a year ago.
- Delinquency rate 8.08%.
- Return on assets 0.29%.
- Efficiency ratio 91.72% vs a 88.77% peer average.
- Loan-to-share ratio 13.47% vs a 58.89% 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 |
232
-6.1% YoY-0.9% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 5.5% in tier |
| Assets |
$2.6M
-4.3% YoY-1.6% QoQ
|
$-27.7M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.2% in tier |
| Loans |
$279,582
-22.1% YoY-6.1% QoQ
|
$-15.2M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.1% in tier |
| Deposits |
$2.1M
-5.8% YoY-2.1% QoQ
|
$-23.7M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.4% in tier |
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| ROA |
0.3%
-165.4% YoY-18.4% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
3.2%
+33.9% YoY+3.3% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
25% |
| Efficiency Ratio |
91.7%
-20.5% YoY+2.4% QoQ
|
+3.0% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
8.1%
+3.7% QoQ
|
+6.5 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.1% in tier |
| Loan To Share |
13.5%
-17.3% YoY-4.0% QoQ
|
-45.4% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.6% in tier |
| AMR |
$10,154
-2.1% YoY-1.8% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)