BlastPoint's Credit Union Scorecard

LOCKPORT SCHOOLS & COMMUNITY

Charter #17372 · NY

<100M

2556 CUs in <100M nationally 183 in NY

LOCKPORT SCHOOLS & COMMUNITY has 1 strength but faces 1 concern

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 0.20% above tier average

Key Concerns

Areas that may need attention

- Net Worth Ratio: Bottom 6.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	1,693 +1.4% YoY0% QoQ	-922	2,615 -1.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	45%
Assets	$26.3M +7.3% YoY+9.6% QoQ	$-3.9M	$30.1M +2.1% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	55%
Loans	$15.4M -4.2% YoY-3.5% QoQ	$-348K	$15.8M -1.3% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	62%
Deposits	$24.1M +7.0% YoY+10.3% QoQ	$-1.6M	$25.7M +1.4% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	58%

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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% +54.7% YoY-10.0% QoQ	+0.2%	0.6% +10.8% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	58%
NIM	3.8% +22.1% YoY-0.5% QoQ	-0.1%	4.0% +4.0% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	47%
Efficiency Ratio	75.2% -10.5% YoY+0.1% QoQ	-7.3%	82.6% -2.3% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	38%
Delinquency Rate	0.6% -48.5% YoY+59.7% QoQ	-0.9	1.6% -3.1% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	46%
Loan To Share	64.0% -10.5% YoY-12.6% QoQ	+3.4%	60.6% -3.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	55%
AMR	$23,328 +0.9% YoY+4.5% QoQ	+$9K	$14,783 -1.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	Top 11.3% in tier
CD Concentration	12.5% -14.7% YoY-14.8% QoQ	-11.9%	24.4%	16.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	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 2556 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

290

Average Member Relationship (AMR)

engagement

Value: $23,328

Peer Median: -

#290 of 2556 Top 11.3% in <100M tier

300

Loan-to-Member Ratio (LMR)

engagement

Value: $9,104

Peer Median: -

#300 of 2556 Top 11.7% in <100M tier

403

Asset Growth Rate

growth

Value: 7.28%

Peer Median: -

#403 of 2556 Top 15.7% in <100M tier

426

Deposit Growth Rate

growth

Value: 7.01%

Peer Median: -

#426 of 2556 Top 16.6% in <100M tier

515

Member Growth Rate

growth

Value: 1.38%

Peer Median: -

#515 of 2556 Top 20.1% in <100M tier

Top Weaknesses (2 metrics)

2397

Net Worth Ratio

risk

Value: 8.32%

Peer Median: -

#2397 of 2556 Bottom 6.3% in <100M tier

2030

First Mortgage Concentration (%)

balance_sheet

Value: 29.92%

Peer Median: -

#2030 of 2556 Bottom 20.6% in <100M tier