BlastPoint's Credit Union Scorecard
BECCO BUFFALO
Charter #10225 · NY
BECCO BUFFALO has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -2.7% YoY
- - Deposit Growth Rate: Bottom 2.3% in tier
- - Total Members: Bottom 2.7% in tier
- - AMR Growth Rate: Bottom 2.9% in tier
- - Asset Growth Rate: Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 3.7% in tier
- - Total Assets: Bottom 5.0% in tier
- - Total Deposits: Bottom 5.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -17.6% year over year ($742K in shares and deposits).
- Membership: 142 members, -2.7% vs a year ago.
- Delinquency rate 0.78%.
- Return on assets 1.49%.
- Efficiency ratio 82.06% vs a 88.77% peer average.
- Loan-to-share ratio 74.04% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
142
-2.7% YoY-1.4% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 2.6% in tier |
| Assets |
$989,573
-13.0% YoY-0.1% QoQ
|
$-29.3M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.0% in tier |
| Loans |
$549,587
-21.2% YoY-10.6% QoQ
|
$-14.9M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.1% in tier |
| Deposits |
$742,245
-17.6% YoY-0.4% QoQ
|
$-25.1M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
-28.4% YoY-128.4% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
79% |
| NIM |
4.1%
-20.2% YoY-2.1% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
82.1%
+37.8% YoY+0.6% QoQ
|
-6.7% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
0.8%
-12.0% YoY+11.8% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
53% |
| Loan To Share |
74.0%
-4.3% YoY-10.3% QoQ
|
+15.2% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$9,097
-16.9% YoY-3.6% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 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)