BlastPoint's Credit Union Scorecard
TONAWANDA VALLEY
Charter #22167 · NY
TONAWANDA VALLEY demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 4.4% in tier
- + Profitability Leader: Top 55.5% in tier
- + ROA 0.60% above tier average
- + Net Interest Margin 0.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 1.4% in tier
- + Share Certificate Concentration (%): Top 2.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,021
-0.3% YoY+0.3% QoQ
|
-2.6K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$157.9M
+3.9% YoY-1.4% QoQ
|
$-73.4M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$88.9M
+2.3% YoY+1.1% QoQ
|
$-58.9M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$140.1M
+2.7% YoY-2.0% QoQ
|
$-60.2M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
1.4%
+22.8% YoY+11.2% QoQ
|
+0.6% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 14.9% in tier |
| NIM |
3.8%
+15.1% YoY+2.9% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
68.9%
-4.5% YoY-2.9% QoQ
|
-8.4% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.0%
-14.9% YoY-28.2% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 1.4% in tier |
| Loan To Share |
63.5%
-0.4% YoY+3.2% QoQ
|
-9.2% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$17,587
+2.9% YoY-1.1% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
2.2%
+25.0% YoY+243.1% QoQ
|
-22.2% |
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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (0)
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)