BlastPoint's Credit Union Scorecard
SENECA NATION OF INDIANS
Charter #24863 · NY
SENECA NATION OF INDIANS has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.20% above tier average
- + Asset Growth Rate: Top 4.5% in tier
- + Deposit Growth Rate: Top 5.1% in tier
- + Members Per Employee (MPE): Top 5.5% in tier
- + Member Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 3.85% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,657
+4.7% YoY+0.8% QoQ
|
-19 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
63% |
| Assets |
$9.8M
+12.4% YoY+13.7% QoQ
|
$-20.4M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$5.3M
+6.5% YoY-2.1% QoQ
|
$-10.0M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$8.6M
+12.9% YoY+16.9% QoQ
|
$-17.2M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
32% |
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| ROA |
-0.4%
-356.6% YoY-117.6% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.5% in tier |
| NIM |
4.2%
-6.7% YoY-6.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
67% |
| Efficiency Ratio |
94.5%
+2.8% YoY+27.3% QoQ
|
+3.8% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
77% |
| Delinquency Rate |
0.9%
-67.1% YoY-72.8% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
61.9%
-5.6% YoY-16.3% QoQ
|
+3.4% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
55% |
| AMR |
$5,212
+5.4% YoY+7.9% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.6% in tier |
| CD Concentration |
14.7%
-14.4% YoY-11.6% QoQ
|
-9.6% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)