BlastPoint's Credit Union Scorecard

ONTARIO SHORES

Charter #14462 · NY

100M-500M

1024 CUs in 100M-500M nationally 55 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 Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.14% above tier average
+ Strong member growth: 12.5% YoY
+ Member Growth Rate: Top 2.2% in tier
+ Deposit Growth Rate: Top 7.9% in tier
+ Asset Growth Rate: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 0.28% above tier average
- AMR Growth Rate: Bottom 5.2% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
Shares and deposits +10.5% year over year ($185M in shares and deposits).
Membership: 11,935 members, +12.5% vs a year ago.
Delinquency rate 1.16%.
Return on assets 1.00%.
Efficiency ratio 73.05% vs a 76.73% peer average.
Loan-to-share ratio 50.20% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	11,935 +12.5% YoY+0.9% QoQ	-3.2K	15,168 -2.6% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	44%
Assets	$208.4M +10.3% YoY+3.2% QoQ	$-23.6M	$232.0M +0.7% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	53%
Loans	$92.9M +2.6% YoY+2.3% QoQ	$-53.4M	$146.3M +0.2% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	31%
Deposits	$185.0M +10.5% YoY+3.1% QoQ	$-15.7M	$200.7M +0.2% YoY	$431.4M +8.2% YoY	$504.8M +10.3% YoY	55%

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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	1.0% -6.8% YoY+2.6% QoQ	+0.1%	0.9% +12.5% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	65%
NIM	3.2% -1.4% YoY+1.9% QoQ	-0.4%	3.7% +4.5% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	24%
Efficiency Ratio	73.1% +3.0% YoY+0.0% QoQ	-3.7%	76.7% -0.8% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	35%
Delinquency Rate	1.2% +68.6% YoY+19.4% QoQ	+0.3	0.9% +6.6% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	75%
Loan To Share	50.2% -7.1% YoY-0.7% QoQ	-21.3%	71.5% -0.3% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	Bottom 11.7% in tier
AMR	$23,279 -4.2% YoY+2.0% QoQ	$-2K	$25,107 +3.2% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	52%
CD Concentration	23.1% +28.5% YoY+6.3% QoQ	-1.4%	24.6%	16.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.7%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#12 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 12.50%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.00%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#15 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 12.50%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Emerging Performer

growth

#29 of 175 • 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: 1.00%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 12.50%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Concerns (3)

Credit Quality Pressure

risk

#148 of 693 • 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): 0.47% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#63 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.24%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Credit Risk Growth

risk

#220 of 472 • 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): 2.63%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.47% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 12.50%

Peer Median: -0.03%

#24 of 1024 Top 2.2% in 100M-500M tier

Deposit Growth Rate

growth

Value: 10.48%

Peer Median: 3.58%

#82 of 1024 Top 7.9% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.33%

Peer Median: 4.12%

#89 of 1024 Top 8.6% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.34%

#97 of 1024 Top 9.4% in 100M-500M tier

204

Members Per Employee (MPE)

engagement

Value: 397.833

Peer Median: 310.924

#204 of 1024 Top 19.8% in 100M-500M tier

Top Weaknesses (6 metrics)

972

AMR Growth Rate

growth

Value: -4.24%

Peer Median: 3.53%

#972 of 1024 Bottom 5.2% in 100M-500M tier

906

First Mortgage Concentration (%)

balance_sheet

Value: 52.12%

Peer Median: 29.92%

#906 of 1024 Bottom 11.6% in 100M-500M tier

904

Loan-to-Share Ratio

balance_sheet

Value: 50.20%

Peer Median: 73.07%

#904 of 1024 Bottom 11.8% in 100M-500M tier

887

Fee Income Per Member

profitability

Value: $95.57

Peer Median: $159.88

#887 of 1024 Bottom 13.5% in 100M-500M tier

779

Net Interest Margin (NIM)

profitability

Value: 3.24%

Peer Median: 3.67%

#779 of 1024 Bottom 24.0% in 100M-500M tier

771

Total Delinquency Rate (60+ days)

risk

Value: 1.16%

Peer Median: 0.71%

#771 of 1024 Bottom 24.8% in 100M-500M tier