BlastPoint's Credit Union Scorecard
CORNING
Charter #1644 · NY
CORNING has 5 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 27.6% in tier
- + Organic Growth Leader: Top 31.1% in tier
- + Wallet Share Momentum: Top 73.0% in tier
- + Total Loans: Top 3.9% in tier
- + Total Members: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13.5% in tier
- - ROA 0.03% below tier average
- - Efficiency ratio 0.21% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
164,782
+1.2% YoY+0.9% QoQ
|
+66.1K |
98,678
-1.9% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Top 7.6% in tier |
| Assets |
$2.5B
+6.8% YoY+1.4% QoQ
|
+$830.0M |
$1.7B
+0.5% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Top 13.2% in tier |
| Loans |
$2.2B
+7.9% YoY+3.5% QoQ
|
+$952.1M |
$1.2B
+0.5% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 4.3% in tier |
| Deposits |
$2.2B
+6.8% YoY+1.2% QoQ
|
+$794.9M |
$1.5B
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Top 10.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-13.8% YoY+16.4% QoQ
|
-0.0% |
0.7%
+13.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
51% |
| NIM |
3.1%
+11.1% YoY+3.7% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
74.2%
+1.1% YoY-1.5% QoQ
|
+0.2% |
74.0%
-10.9% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.5%
-16.8% YoY-6.6% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
97.1%
+1.1% YoY+2.3% QoQ
|
+12.0% |
85.2%
-0.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$26,911
+6.1% YoY+1.4% QoQ
|
$-2K |
$29,172
+2.8% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
47% |
| CD Concentration |
26.7%
-5.8% YoY+2.5% QoQ
|
-2.2% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
42% |
| Indirect Auto % |
11.5%
-2.9% YoY-2.6% QoQ
|
-7.2% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
39% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)