BlastPoint's Credit Union Scorecard
PITTSFORD
Charter #19085 · NY
PITTSFORD has 7 strengths but faces 10 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
- + Credit Quality Leader: Top 43.4% in tier
- + Relationship Depth Leader: Top 85.5% 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
|
15% |
| 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
|
18% |
| 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
|
17% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| 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
|
44% |
| 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
|
76% |
| 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
|
30% |
| 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
|
84% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)