BlastPoint's Credit Union Scorecard
FINGER LAKES
Charter #18022 · NY
FINGER LAKES has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.24% above tier average
- + Net Interest Margin 0.52% above tier average
- + Share Certificate Concentration (%): Top 2.5% in tier
- + Total Delinquency Rate (60+ days): Top 5.3% in tier
- + Net Charge-Off Rate: Top 7.2% in tier
- + Efficiency Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 53.7% in tier
- - Stagnation Risk: Bottom 73.1% in tier
- - Member decline: -2.5% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,067
-2.5% YoY-0.6% QoQ
|
+4.6K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$247.9M
+5.0% YoY-0.1% QoQ
|
+$16.1M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$157.8M
+0.2% YoY+0.3% QoQ
|
+$10.5M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$210.1M
+2.8% YoY+0.1% QoQ
|
+$9.3M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
2.0%
+7.9% YoY-1.0% QoQ
|
+1.2% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 2.2% in tier |
| NIM |
4.1%
+4.4% YoY+2.1% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
61.6%
-2.4% YoY+2.9% QoQ
|
-15.4% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.1% in tier |
| Delinquency Rate |
0.1%
-56.2% YoY-41.0% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 5.3% in tier |
| Loan To Share |
75.1%
-2.5% YoY+0.2% QoQ
|
+2.9% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$18,334
+4.3% YoY+0.8% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
2.2%
-15.8% YoY-1.5% QoQ
|
-22.2% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
10.0%
-24.3% YoY-7.3% QoQ
|
-3.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)