BlastPoint's Credit Union Scorecard
PITTSFORD
Charter #19085 · NY
PITTSFORD has 8 strengths but faces 10 concerns
How does the industry compare?
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 23.1% in tier
- + Organic Growth Engine: Top 39.4% in tier
- + Net Charge-Off Rate: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 6.1% in tier
- + Total Delinquency Rate (60+ days): Top 8.5% in tier
- + Member Growth Rate: Top 9.1% in tier
- + Loan-to-Member Ratio (LMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 5.3% in tier
- - Shrinking Wallet Share: Bottom 30.4% in tier
- - Efficiency Drag: Bottom 36.7% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 9.50% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 0.6% in tier
- - First Mortgage Concentration (%): Bottom 2.4% in tier
- - Total Members: Bottom 4.2% in tier
- - Net Interest Margin (NIM): Bottom 6.1% in tier
- - AMR Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,238
+4.6% YoY+5.7% QoQ
|
-17.3K |
38,575
-4.8% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 3.6% in tier |
| Assets |
$542.7M
+2.6% YoY+1.6% QoQ
|
$-79.0M |
$621.7M
+0.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$353.4M
-2.8% YoY-1.4% QoQ
|
$-76.4M |
$429.8M
-1.8% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$478.6M
+2.4% YoY+1.7% QoQ
|
$-60.1M |
$538.7M
+0.6% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
0.5%
+20.3% YoY-18.3% QoQ
|
-0.2% |
0.7%
+42.9% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
2.6%
+12.0% YoY-0.2% QoQ
|
-0.9% |
3.4%
+8.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.5% in tier |
| Efficiency Ratio |
87.0%
+1.2% YoY+3.0% QoQ
|
+9.5% |
77.5%
-4.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 12.7% in tier |
| Delinquency Rate |
0.3%
-33.6% YoY+20.2% QoQ
|
-0.6 |
0.8%
-1.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.5% in tier |
| Loan To Share |
73.8%
-5.1% YoY-3.1% QoQ
|
-6.0% |
79.8%
-2.3% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$39,177
-4.3% YoY-5.0% QoQ
|
+$12K |
$26,849
+2.7% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 6.7% in tier |
| CD Concentration |
34.4%
+8.4% YoY-1.5% QoQ
|
+10.0% | 24.4% | 16.3% | 19.8% | 82% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)