BlastPoint's Credit Union Scorecard
NIAGARA-WHEATFIELD
Charter #14040 · NY
NIAGARA-WHEATFIELD has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.60% above tier average
- + Net Charge-Off Rate: Top 4.6% in tier
- + Members Per Employee (MPE): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.40% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,837
-0.6% YoY+0.1% QoQ
|
-778 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$21.3M
+0.2% YoY+1.5% QoQ
|
$-8.9M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$10.1M
-6.1% YoY-2.1% QoQ
|
$-5.6M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$19.0M
-1.3% YoY+1.2% QoQ
|
$-6.7M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
1.2%
+97.0% YoY+7.2% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
3.6%
+27.7% YoY+4.0% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
67.2%
-14.8% YoY-1.4% QoQ
|
-15.4% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
2.0%
+20.6% YoY+134.8% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
53.2%
-4.9% YoY-3.2% QoQ
|
-7.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$15,873
-2.4% YoY-0.0% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)