BlastPoint's Credit Union Scorecard
FINGER LAKES
Charter #18022 · NY
FINGER LAKES has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 10.0% in tier
- + Credit Quality Leader: Top 37.2% in tier
- + ROA 1.24% above tier average
- + Net Interest Margin 0.46% above tier average
- + Share Certificate Concentration (%): Top 2.5% in tier
- + Efficiency Ratio: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 4.1% in tier
- - Membership Headwinds: Bottom 12.7% in tier
- - Institutional Decline: Bottom 17.9% in tier
- - Credit Quality Pressure: Bottom 29.6% in tier
- - Member decline: -3.3% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,188
-3.3% YoY-0.8% QoQ
|
+4.6K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$248.3M
+5.5% YoY-0.7% QoQ
|
+$17.0M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
63% |
| Loans |
$157.4M
-2.2% YoY-0.6% QoQ
|
+$9.6M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$209.9M
+3.0% YoY-1.7% QoQ
|
+$9.6M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
61% |
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| ROA |
2.0%
+17.9% YoY-0.6% QoQ
|
+1.2% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 3.0% in tier |
| NIM |
4.0%
+3.8% YoY+1.4% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
59.9%
-8.6% YoY+2.1% QoQ
|
-17.3% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate |
0.2%
+0.7% YoY+98.5% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 10.2% in tier |
| Loan To Share |
75.0%
-5.1% YoY+1.1% QoQ
|
+2.3% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$18,192
+4.1% YoY-0.4% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
2.3%
-12.6% YoY+0.7% QoQ
|
-22.2% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.8%
-25.4% YoY-5.6% QoQ
|
-3.1% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)