BlastPoint's Credit Union Scorecard
AMHERST
Charter #5439 · NY
AMHERST demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% 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 |
3,860
-1.0% YoY+0.3% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$41.3M
+1.2% YoY+1.7% QoQ
|
+$11.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$20.6M
-2.4% YoY+1.4% QoQ
|
+$4.9M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$37.0M
+0.0% YoY+1.6% QoQ
|
+$11.3M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
1.0%
+30.7% YoY-1.0% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
3.4%
+13.8% YoY-0.4% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
72.6%
-8.3% YoY+0.6% QoQ
|
-9.9% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.0%
-92.5% YoY-93.0% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
15% |
| Loan To Share |
55.8%
-2.5% YoY-0.3% QoQ
|
-4.8% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$14,938
+0.1% YoY+1.3% QoQ
|
+$155 |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
6.6%
+19.0% YoY+1.9% QoQ
|
-17.8% | 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)