BlastPoint's Credit Union Scorecard
ALLIANCE NIAGARA
Charter #18409 · NY
ALLIANCE NIAGARA has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + Average Member Relationship (AMR): Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 5.0% in tier
- - Net Interest Margin (NIM): Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,134
-1.7% YoY-0.1% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$23.1M
+3.2% YoY+2.2% QoQ
|
$-7.1M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$7.6M
-6.4% YoY-3.6% QoQ
|
$-7.7M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
45% |
| Deposits |
$21.3M
+2.9% YoY+2.3% QoQ
|
$-4.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
0.5%
+80.8% YoY+0.4% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
44% |
| NIM |
2.6%
+12.9% YoY+3.9% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio |
81.8%
-8.1% YoY+0.4% QoQ
|
-8.9% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
1.2%
-37.8% YoY+9.5% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
35.8%
-9.0% YoY-5.8% QoQ
|
-22.7% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$25,459
+2.0% YoY+0.7% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 7.9% in tier |
| CD Concentration |
23.5%
+28.7% YoY-2.7% QoQ
|
-0.8% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)