BlastPoint's Credit Union Scorecard

ALLEGANY FIRST

Charter #22883 · NY

<100M

2556 CUs in <100M nationally 183 in NY

ALLEGANY FIRST demonstrates 3 strengths

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 1.63% above tier average
+ Net Interest Margin 0.35% above tier average
+ Efficiency Ratio: Top 6.7% 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	2,147 -1.1% YoY-0.7% QoQ	-468	2,615 -1.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	54%
Assets	$25.4M +5.5% YoY+6.0% QoQ	$-4.7M	$30.1M +2.1% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	54%
Loans	$7.1M +3.8% YoY-3.5% QoQ	$-8.7M	$15.8M -1.3% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	42%
Deposits	$21.9M +3.6% YoY+6.3% QoQ	$-3.8M	$25.7M +1.4% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	55%

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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	2.3% -8.0% YoY+0.2% QoQ	+1.6%	0.6% +10.8% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	Top 4.5% in tier
NIM	4.3% -5.6% YoY-0.7% QoQ	+0.3%	4.0% +4.0% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	67%
Efficiency Ratio	54.2% +7.2% YoY-0.4% QoQ	-28.3%	82.6% -2.3% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	Top 6.7% in tier
Delinquency Rate	1.1% +133.1% YoY+1638.2% QoQ	-0.5	1.6% -3.1% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	63%
Loan To Share	32.3% +0.2% YoY-9.2% QoQ	-28.3%	60.6% -3.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	Bottom 12.1% in tier
AMR	$13,464 +4.8% YoY+4.5% QoQ	$-1K	$14,783 -1.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	48%
CD Concentration	0.7% -4.6% YoY-3.1% QoQ	-23.7%	24.4%	16.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

114

Return on Assets (ROA)

profitability

Value: 2.25%

Peer Median: -

#114 of 2556 Top 4.4% in <100M tier

173

Efficiency Ratio

profitability

Value: 54.24%

Peer Median: -

#173 of 2556 Top 6.7% in <100M tier

293

Members Per Employee (MPE)

engagement

Value: 536.750

Peer Median: -

#293 of 2556 Top 11.4% in <100M tier

617

Share Certificate Concentration (%)

balance_sheet

Value: 0.68%

Peer Median: -

#617 of 2556 Top 24.1% in <100M tier

638

Asset Growth Rate

growth

Value: 5.48%

Peer Median: -

#638 of 2556 Top 24.9% in <100M tier

Top Weaknesses (1 metrics)

2246

Loan-to-Share Ratio

balance_sheet

Value: 32.28%

Peer Median: -

#2246 of 2556 Bottom 12.2% in <100M tier