BlastPoint's Credit Union Scorecard

NIAGARA FALLS A F

Charter #10613 · NY

<100M

2556 CUs in <100M nationally 183 in NY

NIAGARA FALLS A F has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Charge-Off Rate: Top 4.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.35% below tier average
- Efficiency ratio 8.32% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	1,689 -0.9% YoY+0.8% QoQ	-926	2,615 -1.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	44%
Assets	$21.0M +5.4% YoY+4.2% QoQ	$-9.2M	$30.1M +2.1% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	49%
Loans	$8.2M +4.6% YoY-0.1% QoQ	$-7.5M	$15.8M -1.3% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	45%
Deposits	$18.5M +5.8% YoY+4.8% QoQ	$-7.2M	$25.7M +1.4% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	50%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +17.0% YoY-11.6% QoQ	-0.4%	0.6% +10.8% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	28%
NIM	2.6% +10.0% YoY+0.5% QoQ	-1.3%	4.0% +4.0% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	Bottom 9.9% in tier
Efficiency Ratio	90.9% -0.3% YoY+1.4% QoQ	+8.3%	82.6% -2.3% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	77%
Delinquency Rate	0.3% -55.7% YoY-44.3% QoQ	-1.3	1.6% -3.1% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	30%
Loan To Share	44.3% -1.1% YoY-4.7% QoQ	-16.3%	60.6% -3.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	25%
AMR	$15,835 +6.3% YoY+2.4% QoQ	+$1K	$14,783 -1.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	61%
CD Concentration	0.2% -4.3% YoY-4.3% QoQ	-24.2%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

103

Net Charge-Off Rate

risk

Value: -0.07%

Peer Median: -

#103 of 2556 Top 4.0% in <100M tier

533

AMR Growth Rate

growth

Value: 6.35%

Peer Median: -

#533 of 2556 Top 20.8% in <100M tier

551

Deposit Growth Rate

growth

Value: 5.77%

Peer Median: -

#551 of 2556 Top 21.5% in <100M tier

585

Loan Growth Rate

growth

Value: 4.62%

Peer Median: -

#585 of 2556 Top 22.8% in <100M tier

586

Share Certificate Concentration (%)

balance_sheet

Value: 0.23%

Peer Median: -

#586 of 2556 Top 22.9% in <100M tier

Top Weaknesses (3 metrics)

2304

Net Interest Margin (NIM)

profitability

Value: 2.62%

Peer Median: -

#2304 of 2556 Bottom 9.9% in <100M tier

2107

First Mortgage Concentration (%)

balance_sheet

Value: 33.16%

Peer Median: -

#2107 of 2556 Bottom 17.6% in <100M tier

1965

Efficiency Ratio

profitability

Value: 90.88%

Peer Median: -

#1965 of 2556 Bottom 23.2% in <100M tier