BlastPoint's Credit Union Scorecard

ONTARIO SHORES

Charter #14462 · NY

100M-500M

1069 CUs in 100M-500M nationally 54 in NY

ONTARIO SHORES has 8 strengths but faces 5 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 Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.17% above tier average
+ Strong member growth: 11.8% YoY
+ Deposit Growth Rate: Top 1.4% in tier
+ Asset Growth Rate: Top 1.5% in tier
+ Member Growth Rate: Top 2.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Delinquency rate 0.10% above tier average
- Fee Income Per Member: Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	11,720 +11.8% YoY+0.6% QoQ	-3.7K	15,437 -2.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	41%
Assets	$196.2M +23.2% YoY+2.5% QoQ	$-35.7M	$231.9M +1.3% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	50%
Loans	$90.8M +6.1% YoY-2.1% QoQ	$-56.6M	$147.3M -0.1% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	29%
Deposits	$174.0M +23.8% YoY+2.3% QoQ	$-26.8M	$200.8M +0.8% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	51%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% -16.6% YoY-0.6% QoQ	+0.2%	0.8% +18.2% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	64%
NIM	3.1% -1.7% YoY+0.1% QoQ	-0.5%	3.6% +6.7% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	23%
Efficiency Ratio	73.4% +6.2% YoY+0.6% QoQ	-3.6%	77.0% -3.1% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	35%
Delinquency Rate	1.0% +85.4% YoY+5.6% QoQ	+0.1	0.9% +4.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	69%
Loan To Share	52.2% -14.3% YoY-4.4% QoQ	-20.1%	72.2% -1.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	Bottom 12.6% in tier
AMR	$22,594 +4.8% YoY+0.2% QoQ	$-2K	$24,676 +3.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	50%
CD Concentration	21.8% +40.1% YoY+3.0% QoQ	-2.6%	24.4%	16.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#25 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 11.82%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#42 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 11.82%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.93%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#50 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.93%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 11.82%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#143 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.46% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#104 of 456 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 6.13%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.46% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Margin Compression

decline

#92 of 123 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.93%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.12%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 23.84%

Peer Median: -

#16 of 1069 Top 1.4% in 100M-500M tier

Asset Growth Rate

growth

Value: 23.20%

Peer Median: -

#17 of 1069 Top 1.5% in 100M-500M tier

Member Growth Rate

growth

Value: 11.82%

Peer Median: -

#32 of 1069 Top 2.9% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: -

#99 of 1069 Top 9.2% in 100M-500M tier

194

Members Per Employee (MPE)

engagement

Value: 404.138

Peer Median: -

#194 of 1069 Top 18.1% in 100M-500M tier

Top Weaknesses (4 metrics)

970

Fee Income Per Member

profitability

Value: $87.76

Peer Median: -

#970 of 1069 Bottom 9.4% in 100M-500M tier

944

First Mortgage Concentration (%)

balance_sheet

Value: 52.19%

Peer Median: -

#944 of 1069 Bottom 11.8% in 100M-500M tier

934

Loan-to-Share Ratio

balance_sheet

Value: 52.17%

Peer Median: -

#934 of 1069 Bottom 12.7% in 100M-500M tier

826

Net Interest Margin (NIM)

profitability

Value: 3.11%

Peer Median: -

#826 of 1069 Bottom 22.8% in 100M-500M tier