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
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency ratio 15.82% above tier (higher cost structure)
- - Delinquency rate 0.38% above tier average
- - Member decline: -3.5% YoY
- - Loan-to-Share Ratio: Bottom 2.8% in tier
- - Members Per Employee (MPE): Bottom 3.8% in tier
- - Total Loans: Bottom 5.5% in tier
- - Total Members: Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
245
-3.5% YoY0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 5.8% in tier |
| Assets |
$2.7M
-1.7% YoY-1.0% QoQ
|
$-27.5M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.6% in tier |
| Loans |
$330,073
-15.3% YoY+1.8% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.4% in tier |
| Deposits |
$2.2M
-2.1% YoY-1.7% QoQ
|
$-23.5M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.1% in tier |
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| ROA |
0.1%
-137.3% YoY-113.1% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
2.8%
+1.4% YoY+8.2% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio |
98.4%
-6.3% YoY-13.1% QoQ
|
+15.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.9% in tier |
| Delinquency Rate | 1.9% | +0.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
15.1%
-13.5% YoY+3.6% QoQ
|
-45.5% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.7% in tier |
| AMR |
$10,270
-0.6% YoY-1.3% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)