BlastPoint's Credit Union Scorecard
BROCKPORT
Charter #20013 · NY
BROCKPORT has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.88% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.76% below tier average
- - Efficiency ratio 17.44% above tier (higher cost structure)
- - Delinquency rate 0.57% above tier average
- - Member decline: -3.5% YoY
- - Net Worth Ratio: Bottom 0.8% in tier
- - Asset Growth Rate: Bottom 8.1% in tier
- - Net Charge-Off Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,201
-3.5% YoY-0.8% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
34% |
| Assets |
$14.5M
-7.7% YoY-4.1% QoQ
|
$-15.4M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$7.4M
-13.3% YoY-2.4% QoQ
|
$-8.3M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$13.5M
-6.3% YoY-4.0% QoQ
|
$-12.0M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
43% |
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 |
-1.1%
+206.8% YoY+29.7% QoQ
|
-1.8% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.2% in tier |
| NIM |
4.8%
+27.6% YoY+3.3% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
98.8%
+2.9% YoY+14.6% QoQ
|
+17.4% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 11.9% in tier |
| Delinquency Rate |
2.1%
-58.6% YoY-37.6% QoQ
|
+0.6 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
55.0%
-7.5% YoY+1.7% QoQ
|
-6.2% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$17,419
-5.5% YoY-2.6% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
69% |
| CD Concentration |
28.7%
+21.7% YoY+8.8% QoQ
|
+4.3% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)