BlastPoint's Credit Union Scorecard

CANANDAIGUA

Charter #16176 · NY

<100M

2508 CUs in <100M nationally 179 in NY

CANANDAIGUA has 1 strength 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 0.54% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 1.31% above tier average
- Member decline: -5.5% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	1,969 -5.5% YoY-2.5% QoQ	-707	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	51%
Assets	$28.3M +1.9% YoY+1.2% QoQ	$-1.9M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	57%
Loans	$9.7M -11.5% YoY-10.2% QoQ	$-5.6M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	51%
Deposits	$23.8M +2.1% YoY+1.9% QoQ	$-2.0M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	57%

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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	0.7% +140.6% YoY+151.4% QoQ	+0.5%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	54%
NIM	3.1% +9.8% YoY+1.6% QoQ	-0.9%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	81.1% -3.3% YoY-2.0% QoQ	-9.5%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	49%
Delinquency Rate	2.8% +67.3% YoY+4.5% QoQ	+1.3	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Bottom 12.3% in tier
Loan To Share	40.7% -13.3% YoY-11.9% QoQ	-17.8%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	23%
AMR	$17,014 +3.5% YoY+0.6% QoQ	+$2K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	66%
CD Concentration	8.9% -23.8% YoY-2.2% QoQ	-15.4%	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 (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

Top Weaknesses (6 metrics)

2201

Total Delinquency Rate (60+ days)

risk

Value: 2.81%

Peer Median: 0.65%

#2201 of 2508 Bottom 12.3% in <100M tier

2127

Member Growth Rate

growth

Value: -5.52%

Peer Median: -1.37%

#2127 of 2508 Bottom 15.2% in <100M tier

2037

Loan Growth Rate

growth

Value: -11.47%

Peer Median: -2.36%

#2037 of 2508 Bottom 18.8% in <100M tier

1964

Net Interest Margin (NIM)

profitability

Value: 3.12%

Peer Median: 3.83%

#1964 of 2508 Bottom 21.7% in <100M tier

1940

Loan-to-Share Ratio

balance_sheet

Value: 40.69%

Peer Median: 58.72%

#1940 of 2508 Bottom 22.7% in <100M tier

1938

First Mortgage Concentration (%)

balance_sheet

Value: 27.71%

Peer Median: 3.66%

#1938 of 2508 Bottom 22.8% in <100M tier