BlastPoint's Credit Union Scorecard

NIAGARA-WHEATFIELD

Charter #14040 · NY

<100M

2508 CUs in <100M nationally 179 in NY

NIAGARA-WHEATFIELD has 2 strengths but faces 2 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

+ ROA 1.07% above tier average
+ Members Per Employee (MPE): Top 7.1% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 3.25% above tier average
- Total Delinquency Rate (60+ days): Bottom 6.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	1,830 -0.7% YoY-0.4% QoQ	-846	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	48%
Assets	$21.5M -1.1% YoY+1.0% QoQ	$-8.7M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	49%
Loans	$9.7M -7.5% YoY-3.8% QoQ	$-5.5M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	51%
Deposits	$19.2M -3.0% YoY+0.9% QoQ	$-6.6M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% 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	1.2% +31.5% YoY-0.3% QoQ	+1.1%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	77%
NIM	4.0% +23.5% YoY+11.5% QoQ	+0.0%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	70.8% -2.5% YoY+5.3% QoQ	-19.8%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	27%
Delinquency Rate	4.8% +566.6% YoY+142.4% QoQ	+3.2	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Bottom 6.3% in tier
Loan To Share	50.8% -4.6% YoY-4.6% QoQ	-7.8%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	38%
AMR	$15,819 -3.9% YoY-0.3% QoQ	+$934	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	60%
CD Concentration	0.0%	-24.3%	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 (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

180

Members Per Employee (MPE)

engagement

Value: 610.000

Peer Median: 333.750

#180 of 2508 Top 7.1% in <100M tier

453

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.07%

#453 of 2508 Top 18.0% in <100M tier

555

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#555 of 2508 Top 22.1% in <100M tier

576

Return on Assets (ROA)

profitability

Value: 1.22%

Peer Median: 0.61%

#576 of 2508 Top 22.9% in <100M tier

Top Weaknesses (4 metrics)

2351

Total Delinquency Rate (60+ days)

risk

Value: 4.75%

Peer Median: 0.65%

#2351 of 2508 Bottom 6.3% in <100M tier

1982

AMR Growth Rate

growth

Value: -3.90%

Peer Median: 1.27%

#1982 of 2508 Bottom 21.0% in <100M tier

1977

Net Worth Ratio

risk

Value: 10.57%

Peer Median: 14.28%

#1977 of 2508 Bottom 21.2% in <100M tier

1898

Fee Income Per Member

profitability

Value: $15.71

Peer Median: $60.42

#1898 of 2508 Bottom 24.4% in <100M tier