BlastPoint's Credit Union Scorecard

COBBLESTONE COUNTRY

Charter #16672 · NY

<100M

2508 CUs in <100M nationally 179 in NY

COBBLESTONE COUNTRY demonstrates 3 strengths

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 2.21% above tier average
+ Net Interest Margin 1.39% above tier average
+ Efficiency Ratio: Top 6.1% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	2,731 +2.1% YoY+1.0% QoQ	+54	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	64%
Assets	$23.9M +6.6% YoY-0.2% QoQ	$-6.2M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	53%
Loans	$16.0M +3.1% YoY+0.2% QoQ	+$767K	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	64%
Deposits	$20.5M +4.5% YoY-0.5% QoQ	$-5.3M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	53%

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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	2.4% -20.8% YoY-12.8% QoQ	+2.2%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Top 3.7% in tier
NIM	5.4% +3.7% YoY+16.2% QoQ	+1.4%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Top 7.1% in tier
Efficiency Ratio	52.9% +3.0% YoY+4.0% QoQ	-37.8%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Top 6.1% in tier
Delinquency Rate	0.3% -58.8% YoY-56.2% QoQ	-1.2	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	37%
Loan To Share	78.4% -1.3% YoY+0.6% QoQ	+19.9%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	80%
AMR	$13,372 +1.7% YoY-1.2% QoQ	$-2K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	47%
CD Concentration	2.0% +81.9% YoY+31.3% QoQ	-22.3%	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 (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

Return on Assets (ROA)

profitability

Value: 2.35%

Peer Median: 0.61%

#94 of 2508 Top 3.7% in <100M tier

154

Efficiency Ratio

profitability

Value: 52.86%

Peer Median: 81.45%

#154 of 2508 Top 6.1% in <100M tier

178

Net Interest Margin (NIM)

profitability

Value: 5.39%

Peer Median: 3.83%

#178 of 2508 Top 7.1% in <100M tier

407

Member Growth Rate

growth

Value: 2.13%

Peer Median: -1.37%

#407 of 2508 Top 16.2% in <100M tier

420

Asset Growth Rate

growth

Value: 6.58%

Peer Median: 1.30%

#420 of 2508 Top 16.7% in <100M tier

497

Members Per Employee (MPE)

engagement

Value: 455.167

Peer Median: 333.750

#497 of 2508 Top 19.8% in <100M tier

502

Loan-to-Share Ratio

balance_sheet

Value: 78.39%

Peer Median: 58.72%

#502 of 2508 Top 20.0% in <100M tier

Top Weaknesses (1 metrics)

2027

Net Charge-Off Rate

risk

Value: 0.74%

Peer Median: 0.07%

#2027 of 2508 Bottom 19.2% in <100M tier