BlastPoint's Credit Union Scorecard
PITTSFORD
Charter #19085 · NY
PITTSFORD has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 11.7% in tier
- + Organic Growth Engine: Top 11.7% in tier
- + Net Charge-Off Rate: Top 2.4% in tier
- + Total Delinquency Rate (60+ days): Top 4.2% in tier
- + Average Member Relationship (AMR): Top 6.0% in tier
- + Member Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 6.6% in tier
- - Credit Quality Pressure: Bottom 43.9% in tier
- - Shrinking Wallet Share: Bottom 94.8% in tier
- - ROA 0.07% below tier average
- - Fee Income Per Member: Bottom 1.8% in tier
- - First Mortgage Concentration (%): Bottom 2.4% in tier
- - AMR Growth Rate: Bottom 4.2% in tier
- - Total Members: Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,183
+4.7% YoY-0.3% QoQ
|
-16.9K |
38,079
-4.8% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 3.6% in tier |
| Assets |
$544.7M
+1.9% YoY+0.4% QoQ
|
$-75.0M |
$619.7M
-0.2% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$352.0M
-2.6% YoY-0.4% QoQ
|
$-67.3M |
$419.3M
-1.4% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$479.8M
+1.7% YoY+0.3% QoQ
|
$-59.6M |
$539.5M
-0.1% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
0.6%
+10.3% YoY+36.1% QoQ
|
-0.1% |
0.7%
+36.0% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
51% |
| NIM |
2.6%
+4.6% YoY+2.2% QoQ
|
-0.8% |
3.5%
+4.5% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
78.4%
-10.8% YoY-9.9% QoQ
|
+0.0% |
78.4%
-3.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.1%
+67.8% YoY-51.1% QoQ
|
-0.6 |
0.7%
-0.9% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 4.2% in tier |
| Loan To Share |
73.4%
-4.2% YoY-0.7% QoQ
|
-4.3% |
77.7%
-1.2% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
34% |
| AMR |
$39,270
-4.6% YoY+0.2% QoQ
|
+$12K |
$26,927
+3.1% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 6.6% in tier |
| CD Concentration |
33.2%
+0.0% YoY-3.6% QoQ
|
+8.9% | 24.3% | 16.4% | 19.8% | 80% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)