BlastPoint's Credit Union Scorecard
KALEIDA HEALTH
Charter #22220 · NY
KALEIDA HEALTH has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.22% above tier average
- + Net Interest Margin 0.39% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -3.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,263
-3.6% YoY-0.9% QoQ
|
+647 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$20.1M
+8.0% YoY-0.6% QoQ
|
$-10.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$12.1M
-8.3% YoY-3.7% QoQ
|
$-3.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$16.6M
+7.2% YoY-1.2% QoQ
|
$-9.1M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
1.8%
+3.1% YoY-1.8% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 9.0% in tier |
| NIM |
4.3%
-1.6% YoY-2.4% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
65.5%
-2.4% YoY+0.1% QoQ
|
-17.1% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.1%
+2.0% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
72.7%
-14.5% YoY-2.5% QoQ
|
+12.1% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$8,785
+3.9% YoY-1.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
6.3%
+71.1% YoY+56.8% QoQ
|
-18.1% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)