BlastPoint's Credit Union Scorecard
GOWANDA AREA
Charter #818 · NY
GOWANDA AREA has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.91% above tier average
- + Net Interest Margin 0.18% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.6% in tier
- + Members Per Employee (MPE): Top 6.5% in tier
- + Net Charge-Off Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,867
-2.6% YoY-0.5% QoQ
|
-748 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$31.2M
+1.1% YoY+1.0% QoQ
|
+$1.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$12.6M
-10.9% YoY-5.2% QoQ
|
$-3.1M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$26.1M
-1.7% YoY+0.5% QoQ
|
+$416K |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
2.5%
-8.1% YoY-4.9% QoQ
|
+1.9% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 2.6% in tier |
| NIM |
4.1%
-2.9% YoY-0.7% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
45.2%
+10.1% YoY+5.8% QoQ
|
-37.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
48.4%
-9.3% YoY-5.7% QoQ
|
-12.2% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$20,747
-2.4% YoY-0.9% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
81% |
| 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)