BlastPoint's Credit Union Scorecard

CORNING

Charter #1644 · NY

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 12 in NY
View Mid-Market leaderboard →

CORNING has 8 strengths but faces 1 concern

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 32.4% in tier
  • + Organic Growth Leader: Top 40.8% in tier
  • + Organic Growth Engine: Top 40.8% in tier
  • + ROA 0.11% above tier average
  • + Total Loans: Top 0.7% in tier
  • + Total Deposits: Top 3.3% in tier
  • + Total Members: Top 5.9% in tier
  • + Total Assets: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 25.6% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 167,018
+2.9% YoY+0.6% QoQ
 +71.0K 96,048
-2.7% YoY
 27,572
+9.2% YoY
 33,913
+5.7% YoY
 Top 6.2% in tier
Assets $2.7B
+7.7% YoY+2.9% QoQ
 +$1.0B $1.7B
+0.4% YoY
 $497.6M
+8.1% YoY
 $578.3M
+9.0% YoY
 Top 6.5% in tier
Loans $2.3B
+8.9% YoY+0.8% QoQ
 +$1.0B $1.2B
+0.2% YoY
 $329.7M
+7.8% YoY
 $402.4M
+8.7% YoY
 Top 1.0% in tier
Deposits $2.4B
+7.4% YoY+5.1% QoQ
 +$946.7M $1.5B
+0.5% YoY
 $425.1M
+7.9% YoY
 $494.3M
+9.1% YoY
 Top 3.6% in tier

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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%
+48.2% YoY+6.4% QoQ
 +0.1% 0.7%
+27.6% YoY
 0.7%
-43.8% YoY
 0.4%
-39.2% YoY
 65%
NIM 3.3%
+10.5% YoY+4.0% QoQ
 -0.1% 3.4%
+6.2% YoY
 3.5%
-2.6% YoY
 3.8%
+4.1% YoY
 42%
Efficiency Ratio 69.9%
-8.5% YoY-2.8% QoQ
 -4.8% 74.6%
-3.0% YoY
 81.8%
+0.3% YoY
 84.6%
+2.8% YoY
 30%
Delinquency Rate 0.4%
-20.4% YoY-15.1% QoQ
 -0.3 0.8%
+6.9% YoY
 1.5%
-10.1% YoY
 1.2%
+3.4% YoY
 28%
Loan To Share 93.7%
+1.4% YoY-4.1% QoQ
 +10.5% 83.2%
-0.4% YoY
 58.9%
-2.1% YoY
 65.6%
-1.4% YoY
 78%
AMR $27,978
+5.1% YoY+2.4% QoQ
 $-2K $29,652
+2.3% YoY
 $19,395
-21.8% YoY
 $19,920
+1.6% YoY
 49%
CD Concentration 26.5%
-3.2% YoY-2.0% QoQ
 -2.3% 28.8% 16.4% 19.8% 41%
Indirect Auto % 11.6%
-3.0% YoY+0.7% QoQ
 -6.5% 18.1% 2.6% 7.7% 41%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#66 of 116 • Top 40.8% in tier

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

Why This Signature
Member Growth (YoY): 2.94%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 11.56%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth
#72 of 115 • Top 40.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.94%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Return on Assets: 0.83%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 11.56%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Wallet Share Momentum

growth
#123 of 125 • Top 32.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.05%
(Tier: 3.34%, National: 6.36%)
better than tier avg
125 of 384 Mid-Market CUs have this signature | 637 nationally
↑ Growing +31 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk
#80 of 148 • Bottom 25.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.71%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 8.95%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 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)

Comparing against 306 peers in tier

Top Strengths (5 metrics)

3
Total Loans
balance_sheet
Value: $2.26B
Peer Median: $1.11B
#3 of 306 Top 0.7% in 1B-3B tier
11
Total Deposits
balance_sheet
Value: $2.41B
Peer Median: $1.31B
#11 of 306 Top 3.3% in 1B-3B tier
19
Total Members
engagement
Value: 167,018
Peer Median: 85,918
#19 of 306 Top 5.9% in 1B-3B tier
20
Total Assets
balance_sheet
Value: $2.73B
Peer Median: $1.51B
#20 of 306 Top 6.2% in 1B-3B tier
69
Loan-to-Share Ratio
balance_sheet
Value: 93.71%
Peer Median: 85.31%
#69 of 306 Top 22.2% in 1B-3B tier

Top Weaknesses (0 metrics)

No weakness rankings available
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