BUFFALO METROPOLITAN

Charter #2209 | NY

100M-500M (1077 CUs) Micro
52 100M-500M in NY

BUFFALO METROPOLITAN has 7 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 24.7% in tier
  • + Emerging Performer: Top 29.6% in tier
  • + Relationship Depth Leader: Top 32.9% in tier
  • + Net Interest Margin 1.60% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 8.9% in tier
  • + Share Certificate Concentration (%): Top 9.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 7.3% in tier
  • - Growth-at-Risk: Bottom 15.6% in tier
  • - Efficiency Drag: Bottom 19.2% in tier
  • - Membership Headwinds: Bottom 21.6% in tier
  • - Liquidity Strain: Bottom 22.0% in tier
  • - Stagnation Risk: Bottom 30.9% in tier
  • - Liquidity Overhang: Bottom 35.4% in tier
  • - ROA 0.44% below tier average
  • - Efficiency ratio 9.10% above tier (higher cost structure)
  • - Delinquency rate 1.85% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 2.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 15,465
-1.7% YoY-0.2% QoQ
 -163 15,628
-3.4% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 59th in tier
Assets $141.7M
+0.6% YoY-0.2% QoQ
 $-89.6M $231.3M
-0.0% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 27th in tier
Loans $118.3M
+2.6% YoY+1.8% QoQ
 $-29.5M $147.8M
-1.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 46th in tier
Deposits $125.8M
+0.4% YoY-0.2% QoQ
 $-74.5M $200.3M
-0.0% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 29th in tier
ROA 0.3%
-64.1% YoY+13.5% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Bottom 21.3% in tier
NIM 5.2%
+5.0% YoY+1.8% QoQ
 +1.6% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Top 1.9% in tier
Efficiency Ratio 86.4%
+10.3% YoY+0.2% QoQ
 +9.1% 77.3%
-3.0% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 19.2% in tier
Delinquency Rate 2.7%
+18.2% YoY-12.4% QoQ
 +1.9 0.9%
+7.6% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Top 2.9% in tier
Loan To Share 94.0%
+2.2% YoY+2.1% QoQ
 +21.3% 72.7%
-1.5% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 9.0% in tier
AMR $15,785
+3.2% YoY+0.9% QoQ
 $-9K $24,363
+2.9% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Bottom 13.0% in tier
CD Concentration 9.0%
+4.2% YoY+5.3% QoQ
 -15.4% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#681 of 1006 • Top 24.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.22%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#555 of 627 • Top 29.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.35%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.73%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#908 of 1006 • Top 32.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.22%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (7)

Credit Quality Pressure

risk
#181 of 736 • Bottom 7.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.42% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Growth-at-Risk

risk
#235 of 446 • Bottom 15.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 2.60%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.42% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk
#340 of 521 • Bottom 19.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 86.38%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.62% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.73%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Membership Headwinds

decline
#356 of 550 • Bottom 21.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.73%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Strain

risk
#171 of 258 • Bottom 22.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.04%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.60%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Stagnation Risk

risk
#510 of 550 • Bottom 30.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.35%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.73%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $15.8K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 9.02%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Overhang

risk
#548 of 552 • Bottom 35.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.14%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 94.04%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
21
Net Interest Margin (NIM)
profitability
Value: 5.18%
Peer Avg: 3.58%
#21 of 1077 Top 1.9% in 100M-500M tier
97
Loan-to-Share Ratio
balance_sheet
Value: 94.04%
Peer Avg: 72.70%
#97 of 1077 Top 8.9% in 100M-500M tier
101
Share Certificate Concentration (%)
balance_sheet
Value: 9.02%
Peer Avg: 23.61%
#101 of 1077 Top 9.3% in 100M-500M tier

Top Weaknesses (7 metrics)

1047
Total Delinquency Rate (60+ days)
risk
Value: 2.71%
Peer Avg: 0.86%
#1047 of 1077 Bottom 2.9% in 100M-500M tier
937
Average Member Relationship (AMR)
engagement
Value: $15,785
Peer Avg: $24,363
#937 of 1077 Bottom 13.1% in 100M-500M tier
871
Efficiency Ratio
profitability
Value: 86.38%
Peer Avg: 77.28%
#871 of 1077 Bottom 19.2% in 100M-500M tier
848
Return on Assets (ROA)
profitability
Value: 0.35%
Peer Avg: 0.79%
#848 of 1077 Bottom 21.4% in 100M-500M tier
847
Deposit Growth Rate
growth
Value: 0.36%
Peer Avg: 4.69%
#847 of 1077 Bottom 21.4% in 100M-500M tier
846
Net Charge-Off Rate
risk
Value: 0.67%
Peer Avg: 0.47%
#846 of 1077 Bottom 21.5% in 100M-500M tier
833
Asset Growth Rate
growth
Value: 0.61%
Peer Avg: 4.70%
#833 of 1077 Bottom 22.7% in 100M-500M tier