BlastPoint's Credit Union Scorecard
GENESEE VALLEY
Charter #21658 · NY
GENESEE VALLEY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.09% above tier average
- + Net Interest Margin 0.10% above tier average
- + Efficiency Ratio: Top 5.4% in tier
- + Net Worth Ratio: Top 9.6% in tier
- + Total Delinquency Rate (60+ days): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Cost Spiral: 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
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Member decline: -3.1% YoY
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
- Shares and deposits +4.1% year over year ($146M in shares and deposits).
- Membership: 9,354 members, -3.1% vs a year ago.
- Delinquency rate 0.19%.
- Return on assets 1.96%.
- Efficiency ratio 56.83% vs a 76.73% peer average.
- Loan-to-share ratio 50.13% vs a 71.54% 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 |
9,354
-3.1% YoY-0.6% QoQ
|
-5.8K |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$175.9M
+5.8% YoY+0.5% QoQ
|
$-56.1M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$73.0M
-11.4% YoY-2.5% QoQ
|
$-73.3M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$145.6M
+4.1% YoY-0.0% QoQ
|
$-55.1M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
2.0%
-27.0% YoY-2.8% QoQ
|
+1.1% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 3.7% in tier |
| NIM |
3.8%
-17.0% YoY-3.2% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
56.8%
+17.8% YoY+0.7% QoQ
|
-19.9% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 5.4% in tier |
| Delinquency Rate |
0.2%
+27.7% YoY
|
-0.7 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Top 9.9% in tier |
| Loan To Share |
50.1%
-14.9% YoY-2.5% QoQ
|
-21.4% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.5% in tier |
| AMR |
$23,372
+1.4% YoY-0.3% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
20.6%
+8.3% YoY+0.7% QoQ
|
-3.9% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)