BlastPoint's Credit Union Scorecard
BROCKPORT
Charter #20013 · NY
BROCKPORT has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.74% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.58% below tier average
- - Efficiency ratio 16.40% above tier (higher cost structure)
- - Delinquency rate 1.56% above tier average
- - Member decline: -2.7% YoY
- - Net Worth Ratio: Bottom 0.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,206
-2.7% YoY+0.4% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$15.5M
-1.4% YoY+6.9% QoQ
|
$-14.7M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$7.3M
-11.5% YoY-1.3% QoQ
|
$-8.4M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$14.3M
-2.2% YoY+5.7% QoQ
|
$-11.4M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
-1.0%
-40.0% YoY-10.7% QoQ
|
-1.6% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.9% in tier |
| NIM |
4.7%
+21.7% YoY-2.6% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
99.0%
+7.8% YoY+0.1% QoQ
|
+16.4% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 12.2% in tier |
| Delinquency Rate |
3.1%
-26.4% YoY+50.1% QoQ
|
+1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 12.3% in tier |
| Loan To Share |
51.4%
-9.4% YoY-6.6% QoQ
|
-9.2% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$17,904
-3.0% YoY+2.8% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
31.7%
+33.9% YoY+10.6% QoQ
|
+7.3% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)