BlastPoint's Credit Union Scorecard

BUFFALO POLICE

Charter #1157 · NY

<100M

2508 CUs in <100M nationally 179 in NY

BUFFALO POLICE demonstrates 4 strengths

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 2.31% above tier average
+ Net Interest Margin 0.60% above tier average
+ Members Per Employee (MPE): Top 6.2% in tier
+ Efficiency Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	2,532 +2.1% YoY+0.6% QoQ	-144	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	61%
Assets	$17.5M +6.6% YoY+2.0% QoQ	$-12.7M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	45%
Loans	$10.0M -2.4% YoY-2.6% QoQ	$-5.3M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	52%
Deposits	$13.6M +4.5% YoY+1.9% QoQ	$-12.2M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	43%

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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	2.5% -23.2% YoY-18.5% QoQ	+2.3%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Top 3.3% in tier
NIM	4.6% -13.9% YoY-7.9% QoQ	+0.6%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	80%
Efficiency Ratio	57.2% +7.3% YoY+9.2% QoQ	-33.4%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Top 9.5% in tier
Delinquency Rate	0.3% +147.2% QoQ	-1.2	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	33%
Loan To Share	73.7% -6.6% YoY-4.4% QoQ	+15.2%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	72%
AMR	$9,314 -0.6% YoY-0.7% QoQ	$-6K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	24%
CD Concentration	1.5% -21.0% YoY+13.1% QoQ	-22.8%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Return on Assets (ROA)

profitability

Value: 2.46%

Peer Median: 0.61%

#84 of 2508 Top 3.3% in <100M tier

157

Members Per Employee (MPE)

engagement

Value: 633.000

Peer Median: 333.750

#157 of 2508 Top 6.2% in <100M tier

239

Efficiency Ratio

profitability

Value: 57.24%

Peer Median: 81.45%

#239 of 2508 Top 9.5% in <100M tier

410

Net Worth Ratio

risk

Value: 22.18%

Peer Median: 14.28%

#410 of 2508 Top 16.3% in <100M tier

416

Asset Growth Rate

growth

Value: 6.60%

Peer Median: 1.30%

#416 of 2508 Top 16.5% in <100M tier

422

Member Growth Rate

growth

Value: 2.06%

Peer Median: -1.37%

#422 of 2508 Top 16.8% in <100M tier

427

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.07%

#427 of 2508 Top 17.0% in <100M tier

512

Net Interest Margin (NIM)

profitability

Value: 4.60%

Peer Median: 3.83%

#512 of 2508 Top 20.4% in <100M tier

Top Weaknesses (1 metrics)

1894

Average Member Relationship (AMR)

engagement

Value: $9,314

Peer Median: $13,926

#1894 of 2508 Bottom 24.5% in <100M tier