BlastPoint's Credit Union Scorecard

SPENCERPORT

Charter #14884 · NY

<100M

2556 CUs in <100M nationally 183 in NY

SPENCERPORT 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 0.15% above tier average
+ Loan Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.23% above tier average
- Indirect Auto Concentration (%): Bottom 5.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	4,465 +1.6% YoY-0.1% QoQ	+1.8K	2,615 -1.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	82%
Assets	$41.3M +4.2% YoY+2.5% QoQ	+$11.2M	$30.1M +2.1% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	70%
Loans	$22.0M +10.7% YoY+0.4% QoQ	+$6.3M	$15.8M -1.3% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	73%
Deposits	$37.3M +3.2% YoY+2.5% QoQ	+$11.6M	$25.7M +1.4% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	73%

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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	0.8% -8.3% YoY-2.5% QoQ	+0.1%	0.6% +10.8% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	54%
NIM	3.9% +6.9% YoY-0.1% QoQ	+0.0%	4.0% +4.0% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	51%
Efficiency Ratio	76.1% +3.6% YoY+3.4% QoQ	-6.4%	82.6% -2.3% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	40%
Delinquency Rate	1.8% +166.9% YoY+7.4% QoQ	+0.2	1.6% -3.1% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	76%
Loan To Share	59.1% +7.3% YoY-2.0% QoQ	-1.6%	60.6% -3.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	48%
AMR	$13,296 +4.1% YoY+1.8% QoQ	$-1K	$14,783 -1.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	47%
CD Concentration	21.0% +45.4% YoY+20.2% QoQ	-3.4%	24.4%	16.3%	19.8%	50%
Indirect Auto %	20.0% +17.6% YoY+5.4% QoQ	+6.2%	13.8%	2.6%	7.8%	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 2556 peers in tier

Top Strengths (4 metrics)

253

Loan Growth Rate

growth

Value: 10.71%

Peer Median: -

#253 of 2556 Top 9.9% in <100M tier

384

Members Per Employee (MPE)

engagement

Value: 496.111

Peer Median: -

#384 of 2556 Top 15.0% in <100M tier

456

Total Members

engagement

Value: 4,465

Peer Median: -

#456 of 2556 Top 17.8% in <100M tier

477

Member Growth Rate

growth

Value: 1.64%

Peer Median: -

#477 of 2556 Top 18.6% in <100M tier

Top Weaknesses (3 metrics)

2413

Indirect Auto Concentration (%)

balance_sheet

Value: 19.97%

Peer Median: -

#2413 of 2556 Bottom 5.6% in <100M tier

2255

Net Worth Ratio

risk

Value: 9.30%

Peer Median: -

#2255 of 2556 Bottom 11.8% in <100M tier

1934

Total Delinquency Rate (60+ days)

risk

Value: 1.79%

Peer Median: -

#1934 of 2556 Bottom 24.4% in <100M tier