BlastPoint's Credit Union Scorecard
SENECA NATION OF INDIANS
Charter #24863 · NY
SENECA NATION OF INDIANS has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.54% above tier average
- + Net Interest Margin 0.54% above tier average
- + Strong member growth: 5.5% YoY
- + Member Growth Rate: Top 5.5% in tier
- + Members Per Employee (MPE): Top 5.5% in tier
- + Fee Income Per Member: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.80% above tier average
- - Average Member Relationship (AMR): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,635
+5.5% YoY-0.9% QoQ
|
+19 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$8.6M
+7.0% YoY-2.7% QoQ
|
$-21.5M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$5.4M
+7.7% YoY-2.1% QoQ
|
$-10.4M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$7.3M
+5.5% YoY-4.9% QoQ
|
$-18.4M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
2.2%
-40.3% YoY+317.3% QoQ
|
+1.5% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 5.5% in tier |
| NIM |
4.5%
-3.0% YoY+1.3% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
74.2%
+11.8% YoY-18.2% QoQ
|
-8.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
3.4%
+4.9% YoY+17.7% QoQ
|
+1.8 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 11.3% in tier |
| Loan To Share |
74.0%
+2.0% YoY+3.0% QoQ
|
+13.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$4,829
+0.9% YoY-2.9% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.6% in tier |
| CD Concentration |
16.6%
-9.2% YoY+8.6% QoQ
|
-7.8% | 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)