BlastPoint's Credit Union Scorecard

DANNEMORA

Charter #12473 · NY

1077 CUs in 100M-500M nationally 52 in NY

DANNEMORA has 5 strengths 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

+ Organic Growth Engine: Top 21.7% in tier
+ Profitability Leader: Top 98.2% in tier
+ ROA 0.34% above tier average
+ Net Interest Margin 0.10% above tier average
+ Share Certificate Concentration (%): Top 3.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.3% in tier
- Credit Risk Growth: Bottom 24.0% in tier
- Indirect Auto Dependency: Bottom 28.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	22,425 +1.7% YoY+0.5% QoQ	+6.8K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	82%
Assets	$308.3M +1.2% YoY-1.6% QoQ	+$77.0M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	75%
Loans	$204.7M +0.9% YoY+1.1% QoQ	+$56.9M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	76%
Deposits	$258.9M +2.2% YoY-2.5% QoQ	+$58.6M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	73%

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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	1.1% +8.8% YoY+1.6% QoQ	+0.3%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	74%
NIM	3.7% +7.4% YoY+2.0% QoQ	+0.1%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	56%
Efficiency Ratio	74.1% -2.3% YoY-0.5% QoQ	-3.2%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	38%
Delinquency Rate	0.5% +72.6% YoY+44.2% QoQ	-0.3	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	41%
Loan To Share	79.1% -1.3% YoY+3.8% QoQ	+6.4%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	60%
AMR	$20,674 -0.1% YoY-1.5% QoQ	$-4K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	40%
CD Concentration	3.7% +90.9% YoY+17.9% QoQ	-20.7%	24.4% +4.2% YoY	15.9% +8.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	23.7% -2.8% YoY-0.2% QoQ	+9.7%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#398 of 603 • Top 21.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.69%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.13%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 23.71%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Profitability Leader

growth

#334 of 340 • Top 98.2% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.13%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.09% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#329 of 736 • Bottom 13.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#360 of 446 • Bottom 24.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.87%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#460 of 525 • Bottom 28.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.21%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 23.71%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.69%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (5 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 3.67%

Peer Avg: -

#42 of 1077 Top 3.8% in 100M-500M tier

150

Members Per Employee (MPE)

engagement

Value: 431.250

Peer Avg: -

#150 of 1077 Top 13.8% in 100M-500M tier

197

Total Members

engagement

Value: 22,425

Peer Avg: -

#197 of 1077 Top 18.2% in 100M-500M tier

215

Net Worth Ratio

risk

Value: 14.19%

Peer Avg: -

#215 of 1077 Top 19.9% in 100M-500M tier

255

Total Loans

balance_sheet

Value: $204.72M

Peer Avg: -

#255 of 1077 Top 23.6% in 100M-500M tier

Top Weaknesses (3 metrics)

848

AMR Growth Rate

growth

Value: -0.08%

Peer Avg: -

#848 of 1077 Bottom 21.4% in 100M-500M tier

835

Indirect Auto Concentration (%)

balance_sheet

Value: 23.71%

Peer Avg: -

#835 of 1077 Bottom 22.6% in 100M-500M tier

829

First Mortgage Concentration (%)

balance_sheet

Value: 42.94%

Peer Avg: -

#829 of 1077 Bottom 23.1% in 100M-500M tier