PITTSFORD

Charter #19085 | NY

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in NY

PITTSFORD has 7 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 16.2% in tier
  • + Wallet Share Momentum: Top 30.2% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 1.8% in tier
  • + Average Member Relationship (AMR): Top 4.7% in tier
  • + Total Delinquency Rate (60+ days): Top 7.1% in tier
  • + Loan-to-Member Ratio (LMR): Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 13.9% in tier
  • - Efficiency Drag: Bottom 15.0% in tier
  • - Institutional Decline: Bottom 20.0% in tier
  • - Membership Headwinds: Bottom 22.5% in tier
  • - ROA 0.10% below tier average
  • - Efficiency ratio 6.41% above tier (higher cost structure)
  • - Fee Income Per Member: Bottom 1.2% in tier
  • - First Mortgage Concentration (%): Bottom 1.8% in tier
  • - Total Members: Bottom 4.1% in tier
  • - Net Interest Margin (NIM): Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 20,098
-1.6% YoY-5.1% QoQ
 -19.7K 39,752
-2.7% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Bottom 3.6% in tier
Assets $534.3M
+3.1% YoY-0.6% QoQ
 $-88.0M $622.4M
+0.3% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Bottom 15.4% in tier
Loans $358.4M
-2.5% YoY-0.7% QoQ
 $-77.5M $435.9M
-0.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 17.8% in tier
Deposits $470.4M
+2.9% YoY-0.8% QoQ
 $-67.6M $538.0M
+1.3% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Bottom 17.2% in tier
ROA 0.6%
+50.0% YoY-9.9% QoQ
 -0.1% 0.7%
+33.9% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 44th in tier
NIM 2.6%
+15.6% YoY+1.9% QoQ
 -0.9% 3.4%
+8.6% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Bottom 6.5% in tier
Efficiency Ratio 84.5%
-1.8% YoY+1.6% QoQ
 +6.4% 78.1%
-3.4% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 23.7% in tier
Delinquency Rate 0.2%
-36.1% YoY+79.7% QoQ
 -0.6 0.8%
-4.9% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Bottom 7.1% in tier
Loan To Share 76.2%
-5.3% YoY+0.2% QoQ
 -4.8% 81.0%
-1.8% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 30th in tier
AMR $41,240
+2.2% YoY+4.5% QoQ
 +$15K $26,482
+2.6% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Top 5.3% in tier
CD Concentration 34.9%
+14.2% YoY+4.5% QoQ
 +10.5% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Top 15.5% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#446 of 1006 • Top 16.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.16%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.2K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#832 of 1006 • Top 30.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.16%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk
#229 of 550 • Bottom 13.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.56%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.61%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $41.2K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 34.90%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk
#265 of 521 • Bottom 15.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 84.50%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.19% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -1.61%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Institutional Decline

decline
#158 of 256 • Bottom 20.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $534.33M
(Tier: $622.38M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.61%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.49%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Membership Headwinds

decline
#372 of 550 • Bottom 22.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.61%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
4
Net Charge-Off Rate
risk
Value: 0.02%
Peer Avg: 0.51%
#4 of 169 Top 1.8% in 500M-750M tier
9
Average Member Relationship (AMR)
engagement
Value: $41,240
Peer Avg: $26,482
#9 of 169 Top 4.7% in 500M-750M tier
13
Total Delinquency Rate (60+ days)
risk
Value: 0.21%
Peer Avg: 0.80%
#13 of 169 Top 7.1% in 500M-750M tier
14
Loan-to-Member Ratio (LMR)
engagement
Value: $17,833
Peer Avg: $11,805
#14 of 169 Top 7.7% in 500M-750M tier

Top Weaknesses (11 metrics)

168
Fee Income Per Member
profitability
Value: $76.00
Peer Avg: $199.27
#168 of 169 Bottom 1.2% in 500M-750M tier
167
First Mortgage Concentration (%)
balance_sheet
Value: 68.98%
Peer Avg: 33.53%
#167 of 169 Bottom 1.8% in 500M-750M tier
163
Total Members
engagement
Value: 20,098
Peer Avg: 39,752
#163 of 169 Bottom 4.1% in 500M-750M tier
158
Net Interest Margin (NIM)
profitability
Value: 2.57%
Peer Avg: 3.43%
#158 of 169 Bottom 7.1% in 500M-750M tier
143
Total Assets
balance_sheet
Value: $534.33M
Peer Avg: $622.38M
#143 of 169 Bottom 16.0% in 500M-750M tier
141
Share Certificate Concentration (%)
balance_sheet
Value: 34.90%
Peer Avg: 26.87%
#141 of 169 Bottom 17.2% in 500M-750M tier
140
Loan Growth Rate
growth
Value: -2.49%
Peer Avg: 4.04%
#140 of 169 Bottom 17.8% in 500M-750M tier
140
Total Deposits
balance_sheet
Value: $470.43M
Peer Avg: $538.02M
#140 of 169 Bottom 17.8% in 500M-750M tier
139
Total Loans
balance_sheet
Value: $358.41M
Peer Avg: $435.95M
#139 of 169 Bottom 18.3% in 500M-750M tier
133
Member Growth Rate
growth
Value: -1.61%
Peer Avg: 1.75%
#133 of 169 Bottom 21.9% in 500M-750M tier