BlastPoint's Credit Union Scorecard
GENESEE VALLEY
Charter #21658 · NY
GENESEE VALLEY has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 2.4% in tier
- + Credit Quality Leader: Top 11.8% in tier
- + ROA 1.86% above tier average
- + Net Interest Margin 0.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.8% in tier
- + Total Delinquency Rate (60+ days): Top 3.4% in tier
- + Asset Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 12.0% in tier
- - Institutional Decline: Bottom 25.0% in tier
- - Membership Headwinds: Bottom 31.5% in tier
- - Loan Growth Rate: Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,596
-0.7% YoY-0.5% QoQ
|
-6.0K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$167.3M
+10.9% YoY+0.6% QoQ
|
$-64.0M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$80.1M
-7.7% YoY-2.8% QoQ
|
$-67.7M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$139.7M
+9.7% YoY-0.1% QoQ
|
$-60.5M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
2.6%
+3.6% YoY-1.4% QoQ
|
+1.9% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 0.8% in tier |
| NIM |
4.1%
-3.6% YoY-10.7% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
77% |
| Efficiency Ratio |
48.9%
-6.3% YoY+1.4% QoQ
|
-28.4% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
0.1%
-69.7% YoY-51.8% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 3.4% in tier |
| Loan To Share |
57.3%
-15.9% YoY-2.7% QoQ
|
-15.4% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$22,909
+3.3% YoY-0.6% QoQ
|
$-1K |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration |
19.8%
+20.3% YoY+3.9% QoQ
|
-4.6% |
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 (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)