BlastPoint's Credit Union Scorecard
BECCO BUFFALO
Charter #10225 · NY
<100M
2508 CUs in <100M nationally
179 in NY
BECCO BUFFALO has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Strong member growth: 14300.0% YoY
- + Member Growth Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 5.37% below tier average
- - AMR Growth Rate: Bottom 0.4% in tier
- - Deposit Growth Rate: Bottom 2.8% in tier
- - Total Members: Bottom 2.8% in tier
- - Members Per Employee (MPE): Bottom 3.7% in tier
- - Asset Growth Rate: Bottom 4.8% in tier
- - Total Assets: Bottom 5.2% in tier
- - Total Deposits: Bottom 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
144
+14300.0% YoY-6.5% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 2.8% in tier |
| Assets |
$990,235
-9.8% YoY-7.8% QoQ
|
$-29.2M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.2% in tier |
| Loans |
$614,625
-16.6% YoY-3.3% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.9% in tier |
| Deposits |
$744,955
-14.7% YoY-10.3% QoQ
|
$-25.0M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.3% in tier |
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| ROA |
-5.2%
-764.3% YoY-466.5% QoQ
|
-5.4% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.6% in tier |
| NIM |
4.1%
+15.1% YoY-7.7% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
81.6%
-9.6% YoY+19.3% QoQ
|
-9.0% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
0.7%
+3.5% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
52% |
| Loan To Share |
82.5%
-2.2% YoY+7.8% QoQ
|
+24.0% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
84% |
| AMR |
$9,442
-99.4% YoY-0.9% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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:
14300.00%
Peer Median: -1.37%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
287
Net Worth Ratio
risk
Value:
24.53%
Peer Median: 14.28%
#287 of 2508
Top 11.4% in <100M tier
392
Loan-to-Share Ratio
balance_sheet
Value:
82.50%
Peer Median: 58.72%
#392 of 2508
Top 15.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2498
AMR Growth Rate
growth
Value:
-99.41%
Peer Median: 1.27%
#2498 of 2508
Bottom 0.4% in <100M tier
2467
Return on Assets (ROA)
profitability
Value:
-5.22%
Peer Median: 0.61%
#2467 of 2508
Bottom 1.7% in <100M tier
2438
Deposit Growth Rate
growth
Value:
-14.73%
Peer Median: 0.66%
#2438 of 2508
Bottom 2.8% in <100M tier
2438
Total Members
engagement
Value:
144
Peer Median: 1,918
#2438 of 2508
Bottom 2.8% in <100M tier
2416
Members Per Employee (MPE)
engagement
Value:
48.000
Peer Median: 333.750
#2416 of 2508
Bottom 3.7% in <100M tier
2388
Asset Growth Rate
growth
Value:
-9.79%
Peer Median: 1.30%
#2388 of 2508
Bottom 4.8% in <100M tier
2378
Total Assets
balance_sheet
Value:
$990,235
Peer Median: $21.86M
#2378 of 2508
Bottom 5.2% in <100M tier
2374
Total Deposits
balance_sheet
Value:
$744,955
Peer Median: $18.77M
#2374 of 2508
Bottom 5.4% in <100M tier
2320
Fee Income Per Member
profitability
Value:
$0.78
Peer Median: $60.42
#2320 of 2508
Bottom 7.5% in <100M tier
2286
Total Loans
balance_sheet
Value:
$614,625
Peer Median: $9.48M
#2286 of 2508
Bottom 8.9% in <100M tier