BlastPoint's Credit Union Scorecard
PITTSFORD
Charter #19085 · NY
PITTSFORD has 2 strengths but faces 8 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
- + Net Charge-Off Rate: Top 0.6% in tier
- + Average Member Relationship (AMR): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.1% in tier
- - Institutional Decline: Bottom 18.8% in tier
- - Stagnation Risk: Bottom 64.2% in tier
- - Membership Headwinds: Bottom 64.2% in tier
- - Flatlined Growth: Bottom 77.7% in tier
- - Fee Income Per Member: Bottom 0.6% in tier
- - First Mortgage Concentration (%): Bottom 2.4% in tier
- - Total Members: Bottom 4.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in New York.
- Shares and deposits +0.3% year over year ($476M in shares and deposits).
- Membership: 20,966 members, -1.0% vs a year ago.
- Delinquency rate 0.55%.
- Return on assets 0.77%.
- Efficiency ratio 74.35% vs a 76.56% peer average.
- Loan-to-share ratio 74.71% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,966
-1.0% YoY-1.0% QoQ
|
-16.9K |
37,897
-5.0% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 4.2% in tier |
| Assets |
$542.3M
+0.8% YoY-0.4% QoQ
|
$-80.1M |
$622.4M
+0.6% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$355.6M
-1.5% YoY+1.0% QoQ
|
$-72.9M |
$428.5M
-0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
21% |
| Deposits |
$476.0M
+0.3% YoY-0.8% QoQ
|
$-63.8M |
$539.8M
+0.9% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
0.8%
+25.0% YoY+24.7% QoQ
|
+0.0% |
0.8%
+39.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
53% |
| NIM |
2.7%
+7.5% YoY+3.5% QoQ
|
-0.8% |
3.5%
+5.0% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.5% in tier |
| Efficiency Ratio |
74.4%
-10.6% YoY-5.2% QoQ
|
-2.2% |
76.6%
-3.6% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate |
0.6%
+371.6% YoY+346.4% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
74.7%
-1.8% YoY+1.8% QoQ
|
-4.6% |
79.3%
-1.4% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$39,662
+0.5% YoY+1.0% QoQ
|
+$12K |
$27,294
+4.1% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Top 7.3% in tier |
| CD Concentration |
31.7%
-5.2% YoY-4.5% QoQ
|
+7.1% | 24.6% | 16.4% | 20.0% | 75% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)