BlastPoint's Credit Union Scorecard
FINGER LAKES
Charter #18022 · NY
FINGER LAKES has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.10% above tier average
- + Net Interest Margin 0.46% above tier average
- + Share Certificate Concentration (%): Top 2.5% in tier
- + Total Delinquency Rate (60+ days): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Member decline: -2.5% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,950
-2.5% YoY-0.6% QoQ
|
+4.8K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$253.1M
+4.9% YoY+2.1% QoQ
|
+$21.4M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$156.2M
+0.6% YoY-1.0% QoQ
|
+$12.1M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$213.7M
+3.0% YoY+1.7% QoQ
|
+$12.6M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
62% |
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| ROA |
1.8%
-14.5% YoY-9.0% QoQ
|
+1.1% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 5.5% in tier |
| NIM |
4.1%
+2.2% YoY-1.0% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
64.0%
+10.7% YoY+3.8% QoQ
|
-14.1% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 13.2% in tier |
| Delinquency Rate |
0.1%
+20.4% YoY+11.0% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 8.3% in tier |
| Loan To Share |
73.1%
-2.3% YoY-2.7% QoQ
|
+2.7% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$18,546
+4.6% YoY+1.2% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
2.2%
-8.1% YoY+0.0% QoQ
|
-22.1% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % |
10.0%
-17.8% YoY-0.1% QoQ
|
-3.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)