BlastPoint's Credit Union Scorecard
ALLIANCE NIAGARA
Charter #18409 · NY
ALLIANCE NIAGARA has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Net Worth Ratio: Bottom 4.9% in tier
- - Net Interest Margin (NIM): Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,135
-1.6% YoY-0.4% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$22.6M
+5.6% YoY-1.0% QoQ
|
$-7.5M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$7.9M
-1.7% YoY-2.4% QoQ
|
$-7.9M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$20.8M
+5.5% YoY-1.2% QoQ
|
$-4.9M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
0.5%
+5.3% YoY-9.1% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
2.5%
+0.4% YoY+0.2% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.1% in tier |
| Efficiency Ratio |
81.4%
-1.0% YoY+2.4% QoQ
|
-1.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.1%
-53.9% YoY-25.0% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
38.0%
-6.8% YoY-1.2% QoQ
|
-22.6% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$25,270
+5.2% YoY-1.2% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 7.8% in tier |
| CD Concentration |
24.1%
+36.8% YoY+2.1% QoQ
|
-0.3% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)