BlastPoint's Credit Union Scorecard

BROCKPORT

Charter #20013 · NY

<100M

2508 CUs in <100M nationally 179 in NY

BROCKPORT has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.19% above tier average
+ Net Interest Margin 0.19% above tier average
+ Net Charge-Off Rate: Top 4.1% in tier
+ Fee Income Per Member: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 3.12% above tier (higher cost structure)
- Delinquency rate 2.91% above tier average
- Member decline: -3.3% YoY
- Net Worth Ratio: Bottom 0.9% in tier
- Total Delinquency Rate (60+ days): Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	1,187 -3.3% YoY-1.6% QoQ	-1.5K	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	33%
Assets	$15.6M -0.6% YoY+0.5% QoQ	$-14.6M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	42%
Loans	$7.0M -10.2% YoY-4.1% QoQ	$-8.3M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	42%
Deposits	$14.5M +5.1% YoY+1.7% QoQ	$-11.3M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	44%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +32.0% YoY-135.5% QoQ	+0.2%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	37%
NIM	4.2% -3.9% YoY-10.5% QoQ	+0.2%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	67%
Efficiency Ratio	93.8% -1.7% YoY-5.3% QoQ	+3.1%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	4.4% +58.3% YoY+41.7% QoQ	+2.9	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Bottom 6.9% in tier
Loan To Share	48.4% -14.6% YoY-5.7% QoQ	-10.1%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	34%
AMR	$18,137 +3.0% YoY+1.3% QoQ	+$3K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	70%
CD Concentration	31.4% +17.5% YoY-1.0% QoQ	+7.1%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

105

Net Charge-Off Rate

risk

Value: -0.38%

Peer Median: 0.07%

#105 of 2508 Top 4.1% in <100M tier

217

Fee Income Per Member

profitability

Value: $164.43

Peer Median: $60.42

#217 of 2508 Top 8.6% in <100M tier

584

Deposit Growth Rate

growth

Value: 5.11%

Peer Median: 0.66%

#584 of 2508 Top 23.2% in <100M tier

Top Weaknesses (5 metrics)

2487

Net Worth Ratio

risk

Value: 5.30%

Peer Median: 14.28%

#2487 of 2508 Bottom 0.9% in <100M tier

2337

Total Delinquency Rate (60+ days)

risk

Value: 4.42%

Peer Median: 0.65%

#2337 of 2508 Bottom 6.9% in <100M tier

2117

Share Certificate Concentration (%)

balance_sheet

Value: 31.41%

Peer Median: 12.45%

#2117 of 2508 Bottom 15.6% in <100M tier

1966

Loan Growth Rate

growth

Value: -10.22%

Peer Median: -2.36%

#1966 of 2508 Bottom 21.7% in <100M tier

1895

Efficiency Ratio

profitability

Value: 93.75%

Peer Median: 81.45%

#1895 of 2508 Bottom 24.5% in <100M tier