BlastPoint's Credit Union Scorecard
BUFFALO POLICE
Charter #1157 · NY
BUFFALO POLICE demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.39% above tier average
- + Net Interest Margin 1.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 5.8% in tier
- + Members Per Employee (MPE): Top 6.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,516
+2.4% YoY+0.5% QoQ
|
-99 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$17.2M
+7.2% YoY-1.0% QoQ
|
$-13.0M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$10.3M
+2.3% YoY-4.6% QoQ
|
$-5.5M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$13.3M
+4.7% YoY-2.4% QoQ
|
$-12.4M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
3.0%
-5.3% YoY-3.7% QoQ
|
+2.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 1.4% in tier |
| NIM |
5.0%
-0.7% YoY-2.1% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 14.6% in tier |
| Efficiency Ratio |
52.4%
+2.8% YoY+0.7% QoQ
|
-30.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.8% in tier |
| Delinquency Rate |
0.1%
-71.3% YoY-68.5% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
77.1%
-2.3% YoY-2.2% QoQ
|
+16.5% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$9,378
+1.2% YoY-3.9% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
1.3%
-36.8% YoY-34.4% QoQ
|
-23.1% | 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)