BlastPoint's Credit Union Scorecard
TONAWANDA COMMUNITY
Charter #22464 · NY
TONAWANDA COMMUNITY demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.00% above tier average
- + Members Per Employee (MPE): Top 5.4% in tier
- + Efficiency Ratio: Top 7.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,271
+3.0% YoY-0.3% QoQ
|
+2.7K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 12.2% in tier |
| Assets |
$47.9M
+7.1% YoY+3.1% QoQ
|
+$17.8M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$14.2M
+0.7% YoY+2.7% QoQ
|
$-1.5M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$42.7M
+6.3% YoY+3.3% QoQ
|
+$17.0M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
1.6%
+89.1% YoY-1.8% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 13.0% in tier |
| NIM |
3.0%
+18.2% YoY+0.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
54.8%
-11.3% YoY+0.7% QoQ
|
-27.7% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 7.2% in tier |
| Delinquency Rate |
0.5%
-62.1% YoY-41.0% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
33.3%
-5.3% YoY-0.6% QoQ
|
-27.3% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.9% in tier |
| AMR |
$10,803
+1.8% YoY+3.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
0.6%
-20.4% YoY-3.2% QoQ
|
-23.9% | 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)