BlastPoint's Credit Union Scorecard
BUFFALO CONRAIL
Charter #845 · NY
BUFFALO CONRAIL demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.97% above tier average
- + Net Interest Margin 0.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.0% in tier
- + Average Member Relationship (AMR): Top 2.1% in tier
- + Loan-to-Share Ratio: Top 3.6% in tier
- + Total Loans: Top 7.7% in tier
- + Efficiency Ratio: Top 9.4% 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 |
2,551
+0.8% YoY-0.5% QoQ
|
-64 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
61% |
| Assets |
$57.4M
+8.2% YoY+4.3% QoQ
|
+$27.3M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$44.8M
+4.1% YoY-0.5% QoQ
|
+$29.0M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 7.7% in tier |
| Deposits |
$44.0M
+8.2% YoY+4.9% QoQ
|
+$18.4M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
1.6%
-5.6% YoY-9.3% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 13.9% in tier |
| NIM |
4.0%
+6.6% YoY-1.7% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
58.2%
+3.6% YoY+8.2% QoQ
|
-24.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate |
0.2%
-14.4% YoY-29.5% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
101.7%
-3.7% YoY-5.1% QoQ
|
+41.0% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 3.8% in tier |
| AMR |
$34,816
+5.2% YoY+2.6% QoQ
|
+$20K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 2.1% in tier |
| CD Concentration |
20.4%
+19.8% YoY+10.5% QoQ
|
-4.0% | 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)