BlastPoint's Credit Union Scorecard
BECCO BUFFALO
Charter #10225 · NY
2556 CUs in <100M nationally
183 in NY
BECCO BUFFALO has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.80% above tier average
- + Net Interest Margin 0.54% above tier average
- + Strong member growth: 15300.0% YoY
- + Member Growth Rate: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 0.5% in tier
- - Total Members: Bottom 3.1% in tier
- - Members Per Employee (MPE): Bottom 3.9% in tier
- - Total Assets: Bottom 6.0% in tier
- - Total Deposits: Bottom 6.0% in tier
- - Fee Income Per Member: Bottom 8.2% in tier
- - Total Loans: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
154
+15300.0% YoY+5.5% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 3.0% in tier |
| Assets |
$1.1M
-3.7% YoY-3.8% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.9% in tier |
| Loans |
$635,896
-13.0% YoY-4.5% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.7% in tier |
| Deposits |
$830,778
-6.5% YoY-5.0% QoQ
|
$-24.9M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.9% in tier |
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| ROA |
1.4%
+117.0% YoY-12.8% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
4.5%
+29.8% YoY-2.3% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
68.4%
-18.7% YoY+5.9% QoQ
|
-14.1% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.7%
+4.7% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
76.5%
-6.9% YoY+0.6% QoQ
|
+15.9% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$9,524
-99.4% YoY-9.7% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
26% |
| 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)
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 (7 metrics)
1
Member Growth Rate
growth
Value:
15300.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
435
Net Worth Ratio
risk
Value:
21.83%
Peer Median: -
#435 of 2556
Top 17.0% in <100M tier
461
Return on Assets (ROA)
profitability
Value:
1.42%
Peer Median: -
#461 of 2556
Top 18.0% in <100M tier
628
Efficiency Ratio
profitability
Value:
68.43%
Peer Median: -
#628 of 2556
Top 24.5% in <100M tier
Top Weaknesses (11 metrics)
2543
AMR Growth Rate
growth
Value:
-99.41%
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2477
Total Members
engagement
Value:
154
Peer Median: -
#2477 of 2556
Bottom 3.1% in <100M tier
2457
Members Per Employee (MPE)
engagement
Value:
51.333
Peer Median: -
#2457 of 2556
Bottom 3.9% in <100M tier
2404
Total Assets
balance_sheet
Value:
$1.07M
Peer Median: -
#2404 of 2556
Bottom 6.0% in <100M tier
2404
Total Deposits
balance_sheet
Value:
$830,778
Peer Median: -
#2404 of 2556
Bottom 6.0% in <100M tier
2347
Fee Income Per Member
profitability
Value:
$1.58
Peer Median: -
#2347 of 2556
Bottom 8.2% in <100M tier
2334
Total Loans
balance_sheet
Value:
$635,896
Peer Median: -
#2334 of 2556
Bottom 8.7% in <100M tier
2216
Deposit Growth Rate
growth
Value:
-6.52%
Peer Median: -
#2216 of 2556
Bottom 13.3% in <100M tier
2204
Loan Growth Rate
growth
Value:
-13.00%
Peer Median: -
#2204 of 2556
Bottom 13.8% in <100M tier
2094
Asset Growth Rate
growth
Value:
-3.73%
Peer Median: -
#2094 of 2556
Bottom 18.1% in <100M tier