BlastPoint's Credit Union Scorecard
CORNING
Charter #1644 · NY
CORNING has 7 strengths but faces 1 concern
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
- + Wallet Share Momentum: Top 21.0% in tier
- + Organic Growth Leader: Top 32.0% in tier
- + Organic Growth Engine: Top 32.0% in tier
- + Total Loans: Top 0.7% in tier
- + Total Deposits: Top 2.0% in tier
- + Total Assets: Top 5.0% in tier
- + Total Members: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 25.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 12 that size in New York.
- Shares and deposits +10.4% year over year ($2.45B in shares and deposits).
- Membership: 169,336 members, +3.7% vs a year ago.
- Delinquency rate 0.45%.
- Return on assets 0.83%.
- Efficiency ratio 70.74% vs a 73.02% peer average.
- Loan-to-share ratio 95.78% vs a 84.71% 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 |
169,336
+3.7% YoY+1.4% QoQ
|
+72.5K |
96,861
-1.9% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 6.0% in tier |
| Assets |
$2.8B
+10.3% YoY+1.7% QoQ
|
+$1.0B |
$1.7B
+0.4% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Top 5.3% in tier |
| Loans |
$2.4B
+11.4% YoY+4.0% QoQ
|
+$1.1B |
$1.2B
+0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 1.0% in tier |
| Deposits |
$2.5B
+10.4% YoY+1.8% QoQ
|
+$991.4M |
$1.5B
+0.5% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Top 2.3% in tier |
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| ROA |
0.8%
+44.3% YoY+0.5% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
3.3%
+10.3% YoY+2.7% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
70.7%
-6.1% YoY+1.3% QoQ
|
-2.3% |
73.0%
-2.7% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
37% |
| Delinquency Rate |
0.5%
-12.6% YoY+6.7% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
95.8%
+0.9% YoY+2.2% QoQ
|
+11.1% |
84.7%
+0.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$28,380
+6.9% YoY+1.4% QoQ
|
$-1K |
$29,575
+1.5% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
26.3%
+0.8% YoY-0.9% QoQ
|
-2.8% | 29.1% | 16.4% | 20.0% | 40% |
| Indirect Auto % |
12.2%
+3.1% YoY+5.6% QoQ
|
-5.9% | 18.1% | 2.7% | 7.7% | 42% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)