BlastPoint's Credit Union Scorecard
GENESEE VALLEY
Charter #21658 · NY
GENESEE VALLEY has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.29% above tier average
- + Net Interest Margin 0.28% above tier average
- + Total Delinquency Rate (60+ days): Top 2.0% in tier
- + Efficiency Ratio: Top 5.0% in tier
- + Net Worth Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Member decline: -2.5% YoY
- - Loan Growth Rate: Bottom 2.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,408
-2.5% YoY-0.8% QoQ
|
-5.7K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$175.0M
+8.2% YoY+3.0% QoQ
|
$-56.7M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
41% |
| Loans |
$74.9M
-9.7% YoY-3.9% QoQ
|
$-69.3M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$145.7M
+6.6% YoY+3.0% QoQ
|
$-55.5M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
39% |
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| ROA |
2.0%
-11.4% YoY-20.8% QoQ
|
+1.3% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 3.6% in tier |
| NIM |
3.9%
-4.5% YoY-3.5% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
56.4%
+8.0% YoY+12.7% QoQ
|
-21.6% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 5.0% in tier |
| Delinquency Rate |
0.0%
-75.6% YoY-64.6% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 2.0% in tier |
| Loan To Share |
51.4%
-15.2% YoY-6.8% QoQ
|
-19.0% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.6% in tier |
| AMR |
$23,443
+3.0% YoY+1.4% QoQ
|
$-1K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
20.5%
+11.7% YoY-1.1% QoQ
|
-3.8% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)