BlastPoint's Credit Union Scorecard

ONEIDA COUNTY

Charter #13102 · NY

<100M

2556 CUs in <100M nationally 183 in NY

ONEIDA COUNTY faces 3 concerns requiring attention

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.24% below tier average
- Efficiency ratio 9.68% above tier (higher cost structure)
- Member decline: -3.2% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	1,506 -3.2% YoY-0.3% QoQ	-1.1K	2,615 -1.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	40%
Assets	$13.8M -0.8% YoY-2.0% QoQ	$-16.4M	$30.1M +2.1% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	39%
Loans	$4.7M -8.7% YoY+0.3% QoQ	$-11.1M	$15.8M -1.3% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	32%
Deposits	$12.0M -2.0% YoY-3.2% QoQ	$-13.7M	$25.7M +1.4% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	40%

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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	0.4% +49.7% QoQ	-0.2%	0.6% +10.8% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	34%
NIM	3.1% +22.6% YoY+6.9% QoQ	-0.9%	4.0% +4.0% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	21%
Efficiency Ratio	92.2% -8.4% YoY-2.3% QoQ	+9.7%	82.6% -2.3% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	79%
Delinquency Rate	0.1% -78.0% YoY-32.7% QoQ	-1.5	1.6% -3.1% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	19%
Loan To Share	39.0% -6.8% YoY+3.6% QoQ	-21.6%	60.6% -3.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	18%
AMR	$11,047 -0.8% YoY-2.0% QoQ	$-4K	$14,783 -1.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	34%
CD Concentration	12.6% +18.1% YoY+4.9% QoQ	-11.8%	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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

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

361

Members Per Employee (MPE)

engagement

Value: 502.000

Peer Median: -

#361 of 2556 Top 14.1% in <100M tier

478

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: -

#478 of 2556 Top 18.7% in <100M tier

Top Weaknesses (4 metrics)

2086

Loan-to-Share Ratio

balance_sheet

Value: 39.03%

Peer Median: -

#2086 of 2556 Bottom 18.4% in <100M tier

2020

Efficiency Ratio

profitability

Value: 92.24%

Peer Median: -

#2020 of 2556 Bottom 21.0% in <100M tier

2010

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Median: -

#2010 of 2556 Bottom 21.4% in <100M tier

1925

Loan Growth Rate

growth

Value: -8.66%

Peer Median: -

#1925 of 2556 Bottom 24.7% in <100M tier