BlastPoint's Credit Union Scorecard

BUFFALO METROPOLITAN

Charter #2209 · NY

1069 CUs in 100M-500M nationally 54 in NY

BUFFALO METROPOLITAN has 4 strengths but faces 10 concerns

National Analysis

How does the industry compare?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 1.58% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 9.2% in tier
  • + Loan-to-Share Ratio: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 9.7% in tier
  • - Credit Risk Growth: Bottom 34.1% in tier
  • - Efficiency Drag: Bottom 56.0% in tier
  • - Stagnation Risk: Bottom 60.6% in tier
  • - Liquidity Strain: Bottom 75.8% in tier
  • - Membership Headwinds: Bottom 77.8% in tier
  • - ROA 0.19% below tier average
  • - Efficiency ratio 5.98% above tier (higher cost structure)
  • - Delinquency rate 2.17% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 2.1% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 15,349
-1.4% YoY-0.8% QoQ
 -88 15,437
-2.9% YoY
 26,134
+5.1% YoY
 33,374
+5.7% YoY
 59%
Assets $144.0M
+3.5% YoY+1.7% QoQ
 $-87.8M $231.9M
+1.3% YoY
 $482.3M
+7.4% YoY
 $561.6M
+9.7% YoY
 28%
Loans $118.8M
+3.2% YoY+0.4% QoQ
 $-28.5M $147.3M
-0.1% YoY
 $324.6M
+7.8% YoY
 $397.0M
+8.8% YoY
 47%
Deposits $127.9M
+3.4% YoY+1.6% QoQ
 $-72.9M $200.8M
+0.8% YoY
 $411.3M
+7.7% YoY
 $477.3M
+9.7% YoY
 29%

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Tier 1
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ROA 0.6%
-28.6% YoY+65.9% QoQ
 -0.2% 0.8%
+18.2% YoY
 0.7%
+147.7% YoY
 0.7%
+15.9% YoY
 38%
NIM 5.2%
+4.0% YoY+0.0% QoQ
 +1.6% 3.6%
+6.7% YoY
 3.6%
+4.1% YoY
 3.8%
+5.1% YoY
 Top 1.8% in tier
Efficiency Ratio 83.0%
+3.1% YoY-3.9% QoQ
 +6.0% 77.0%
-3.1% YoY
 80.7%
-3.4% YoY
 79.7%
-3.3% YoY
 71%
Delinquency Rate 3.1%
+32.6% YoY+12.9% QoQ
 +2.2 0.9%
+4.2% YoY
 1.6%
-19.7% YoY
 1.3%
-2.1% YoY
 Top 2.1% in tier
Loan To Share 92.9%
-0.2% YoY-1.2% QoQ
 +20.7% 72.2%
-1.1% YoY
 60.4%
-2.5% YoY
 67.4%
-1.7% YoY
 Top 9.5% in tier
AMR $16,071
+4.7% YoY+1.8% QoQ
 $-9K $24,676
+3.4% YoY
 $19,178
-21.9% YoY
 $19,687
+2.0% YoY
 Bottom 12.8% in tier
CD Concentration 9.0%
+9.7% YoY+0.3% QoQ
 -15.4% 24.4% 16.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 2.6% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk
#69 of 705 • Bottom 9.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.75% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk
#156 of 456 • Bottom 34.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.22%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 0.75% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Efficiency Drag

risk
#302 of 538 • Bottom 56.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.99%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.23% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): -1.37%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | Rank improving

Stagnation Risk

risk
#336 of 554 • Bottom 60.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -1.37%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): 3.22%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Rate: 3.06%
(Tier: 0.89%, National: 1.28%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Liquidity Strain

risk
#173 of 228 • Bottom 75.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.90%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 3.22%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally
↓ Shrinking -37 CUs YoY | Rank worsening

Membership Headwinds

decline
#431 of 554 • Bottom 77.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.37%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

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)

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 1069 Top 0.0% in 100M-500M tier
19
Net Interest Margin (NIM)
profitability
Value: 5.18%
Peer Median: -
#19 of 1069 Top 1.7% in 100M-500M tier
99
Share Certificate Concentration (%)
balance_sheet
Value: 9.04%
Peer Median: -
#99 of 1069 Top 9.2% in 100M-500M tier
102
Loan-to-Share Ratio
balance_sheet
Value: 92.90%
Peer Median: -
#102 of 1069 Top 9.4% in 100M-500M tier

Top Weaknesses (3 metrics)

1048
Total Delinquency Rate (60+ days)
risk
Value: 3.06%
Peer Median: -
#1048 of 1069 Bottom 2.1% in 100M-500M tier
932
Average Member Relationship (AMR)
engagement
Value: $16,071
Peer Median: -
#932 of 1069 Bottom 12.9% in 100M-500M tier
804
Net Charge-Off Rate
risk
Value: 0.62%
Peer Median: -
#804 of 1069 Bottom 24.9% in 100M-500M tier
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