BlastPoint's Credit Union Scorecard
CORNING
Charter #1644 · NY
CORNING has 8 strengths but faces 1 concern
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 63.9% in tier
- + Organic Growth Engine: Top 72.8% in tier
- + Organic Growth Leader: Top 87.2% in tier
- + ROA 0.10% above tier average
- + Total Loans: Top 2.0% in tier
- + Total Members: Top 6.0% in tier
- + Total Deposits: Top 8.3% in tier
- + Total Assets: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 27.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
166,042
+1.4% YoY+0.8% QoQ
|
+68.6K |
97,431
-2.4% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 6.3% in tier |
| Assets |
$2.6B
+9.4% YoY+3.9% QoQ
|
+$926.3M |
$1.7B
+0.9% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 8.9% in tier |
| Loans |
$2.2B
+9.6% YoY+2.6% QoQ
|
+$1.0B |
$1.2B
+0.5% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 2.3% in tier |
| Deposits |
$2.3B
+7.2% YoY+2.0% QoQ
|
+$835.7M |
$1.5B
+0.9% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 8.6% in tier |
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| ROA |
0.8%
+6.4% YoY+15.9% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
3.1%
+11.2% YoY-0.5% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
71.9%
-2.9% YoY-3.1% QoQ
|
-2.2% |
74.1%
-9.5% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.5%
-21.6% YoY+3.2% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
97.7%
+2.2% YoY+0.5% QoQ
|
+12.9% |
84.8%
-0.8% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$27,322
+6.9% YoY+1.5% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
27.1%
-6.1% YoY+1.3% QoQ
|
-2.0% | 29.0% | 16.3% | 19.8% | 42% |
| Indirect Auto % |
11.5%
-1.8% YoY-0.5% QoQ
|
-6.8% | 18.3% | 2.6% | 7.8% | 41% |
Signature Analysis
Strengths (3)
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)