BlastPoint's Credit Union Scorecard

TONAWANDA VALLEY

Charter #22167 · NY

100M-500M

1070 CUs in 100M-500M nationally 55 in NY

TONAWANDA VALLEY has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.50% above tier average
+ Share Certificate Concentration (%): Top 4.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	12,996 +0.1% YoY-0.2% QoQ	-2.1K	15,145 -2.5% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	49%
Assets	$167.0M +6.3% YoY+2.3% QoQ	$-64.7M	$231.7M +0.8% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	38%
Loans	$86.7M -0.0% YoY-2.8% QoQ	$-57.4M	$144.1M +0.2% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	28%
Deposits	$148.1M +5.4% YoY+2.2% QoQ	$-53.0M	$201.1M +0.4% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	40%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +23.9% YoY-11.8% QoQ	+0.5%	0.7% +5.1% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	80%
NIM	3.7% +2.7% YoY-2.4% QoQ	+0.0%	3.6% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	54%
Efficiency Ratio	70.3% -8.1% YoY+2.2% QoQ	-7.7%	78.0% -1.7% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	25%
Delinquency Rate	0.2% +177.5% YoY+146.5% QoQ	-0.6	0.8% +7.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	Top 10.6% in tier
Loan To Share	58.6% -5.1% YoY-4.9% QoQ	-11.9%	70.4% -0.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	24%
AMR	$18,070 +3.2% YoY+0.5% QoQ	$-7K	$24,918 +2.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	21%
CD Concentration	5.6% +695.0% YoY+7.7% QoQ	-18.6%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Credit Quality Pressure

risk

#478 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 5.63%

Peer Median: 23.10%

#53 of 1070 Top 4.9% in 100M-500M tier

114

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Median: 0.61%

#114 of 1070 Top 10.6% in 100M-500M tier

174

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.35%

#174 of 1070 Top 16.2% in 100M-500M tier

209

Return on Assets (ROA)

profitability

Value: 1.23%

Peer Median: 0.69%

#209 of 1070 Top 19.4% in 100M-500M tier

Top Weaknesses (3 metrics)

857

Loan-to-Member Ratio (LMR)

engagement

Value: $6,673

Peer Median: $9,356

#857 of 1070 Bottom 20.0% in 100M-500M tier

850

Average Member Relationship (AMR)

engagement

Value: $18,070

Peer Median: $22,931

#850 of 1070 Bottom 20.7% in 100M-500M tier

811

Loan-to-Share Ratio

balance_sheet

Value: 58.55%

Peer Median: 71.88%

#811 of 1070 Bottom 24.3% in 100M-500M tier