BECCO BUFFALO
Charter #10225 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
BECCO BUFFALO has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + Net Interest Margin 0.66% above tier average
- + Strong member growth: 14500.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.0% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 0.6% in tier
- - Total Members: Bottom 2.9% in tier
- - Members Per Employee (MPE): Bottom 3.7% in tier
- - Total Assets: Bottom 6.3% in tier
- - Total Deposits: Bottom 6.5% in tier
- - Total Loans: Bottom 9.0% in tier
- - Fee Income Per Member: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
146
+14500.0% YoY0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 2.8% in tier |
| Assets |
$1.1M
-0.0% YoY-1.8% QoQ
|
$-28.7M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.3% in tier |
| Loans |
$665,719
-10.8% YoY-4.6% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.0% in tier |
| Deposits |
$874,893
-2.1% YoY-2.9% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.5% in tier |
| ROA |
1.6%
+212.9% YoY-21.2% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 16.8% in tier |
| NIM |
4.6%
+36.8% YoY-9.8% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 24.0% in tier |
| Efficiency Ratio |
64.6%
-27.1% YoY+8.5% QoQ
|
-16.8% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 21.1% in tier |
| Delinquency Rate |
0.6%
-27.3% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
49th in tier |
| Loan To Share |
76.1%
-8.8% YoY-1.7% QoQ
|
+14.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
72nd in tier |
| AMR |
$10,552
-99.4% YoY-3.6% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
32nd in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
2
Member Growth Rate
growth
Value:
14500.00%
Peer Avg: 14.92%
#2 of 2596
Top 0.0% in <100M tier
436
Return on Assets (ROA)
profitability
Value:
1.63%
Peer Avg: 0.68%
#436 of 2596
Top 16.8% in <100M tier
512
Net Worth Ratio
risk
Value:
20.85%
Peer Avg: 16.43%
#512 of 2596
Top 19.7% in <100M tier
548
Efficiency Ratio
profitability
Value:
64.63%
Peer Avg: 81.39%
#548 of 2596
Top 21.1% in <100M tier
623
Net Interest Margin (NIM)
profitability
Value:
4.59%
Peer Avg: 3.93%
#623 of 2596
Top 24.0% in <100M tier
Top Weaknesses (9 metrics)
2582
AMR Growth Rate
growth
Value:
-99.36%
Peer Avg: 4.67%
#2582 of 2596
Bottom 0.6% in <100M tier
2523
Total Members
engagement
Value:
146
Peer Avg: 2,626
#2523 of 2596
Bottom 2.9% in <100M tier
2500
Members Per Employee (MPE)
engagement
Value:
48.667
Peer Avg: 365.701
#2500 of 2596
Bottom 3.7% in <100M tier
2433
Total Assets
balance_sheet
Value:
$1.12M
Peer Avg: $29.86M
#2433 of 2596
Bottom 6.3% in <100M tier
2427
Total Deposits
balance_sheet
Value:
$874,893
Peer Avg: $25.45M
#2427 of 2596
Bottom 6.5% in <100M tier
2363
Total Loans
balance_sheet
Value:
$665,719
Peer Avg: $15.77M
#2363 of 2596
Bottom 9.0% in <100M tier
2338
Fee Income Per Member
profitability
Value:
$2.05
Peer Avg: $182.96
#2338 of 2596
Bottom 10.0% in <100M tier
2177
Net Charge-Off Rate
risk
Value:
0.90%
Peer Avg: 0.57%
#2177 of 2596
Bottom 16.2% in <100M tier
2100
Loan Growth Rate
growth
Value:
-10.78%
Peer Avg: 59.01%
#2100 of 2596
Bottom 19.1% in <100M tier