BlastPoint's Credit Union Scorecard

ONEIDA COUNTY

Charter #13102 · NY

<100M

2508 CUs in <100M nationally 179 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 0.69% below tier average
- Efficiency ratio 23.14% above tier (higher cost structure)
- Member decline: -3.1% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	1,488 -3.1% YoY-1.2% QoQ	-1.2K	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	40%
Assets	$13.8M -5.1% YoY+0.3% QoQ	$-16.4M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	39%
Loans	$4.5M -6.8% YoY-3.7% QoQ	$-10.8M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	32%
Deposits	$12.1M -6.1% YoY+1.2% QoQ	$-13.7M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% 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	-0.5% +11.3% YoY-244.3% QoQ	-0.7%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Bottom 12.8% in tier
NIM	3.0% +12.7% YoY-1.9% QoQ	-1.0%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	20%
Efficiency Ratio	113.8% +9.8% YoY+23.3% QoQ	+23.1%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Bottom 7.9% in tier
Delinquency Rate	0.1% -75.9% YoY+52.2% QoQ	-1.4	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	25%
Loan To Share	37.1% -0.8% YoY-4.9% QoQ	-21.4%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	19%
AMR	$11,161 -3.3% YoY+1.0% QoQ	$-4K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	34%
CD Concentration	12.2% +13.4% YoY-3.5% QoQ	-12.1%	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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

450

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.07%

#450 of 2508 Top 17.9% in <100M tier

624

Total Delinquency Rate (60+ days)

risk

Value: 0.14%

Peer Median: 0.65%

#624 of 2508 Top 24.8% in <100M tier

Top Weaknesses (8 metrics)

2312

Efficiency Ratio

profitability

Value: 113.77%

Peer Median: 81.45%

#2312 of 2508 Bottom 7.9% in <100M tier

2188

Return on Assets (ROA)

profitability

Value: -0.54%

Peer Median: 0.61%

#2188 of 2508 Bottom 12.8% in <100M tier

2164

Asset Growth Rate

growth

Value: -5.10%

Peer Median: 1.30%

#2164 of 2508 Bottom 13.8% in <100M tier

2152

Deposit Growth Rate

growth

Value: -6.08%

Peer Median: 0.66%

#2152 of 2508 Bottom 14.2% in <100M tier

2037

Loan-to-Share Ratio

balance_sheet

Value: 37.11%

Peer Median: 58.72%

#2037 of 2508 Bottom 18.8% in <100M tier

2017

Net Interest Margin (NIM)

profitability

Value: 3.03%

Peer Median: 3.83%

#2017 of 2508 Bottom 19.6% in <100M tier

1912

AMR Growth Rate

growth

Value: -3.26%

Peer Median: 1.27%

#1912 of 2508 Bottom 23.8% in <100M tier

1884

Loan-to-Member Ratio (LMR)

engagement

Value: $3,021

Peer Median: $4,923

#1884 of 2508 Bottom 24.9% in <100M tier