BlastPoint's Credit Union Scorecard
NIAGARA REGIONAL
Charter #3285 · NY
NIAGARA REGIONAL has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,386
-1.4% YoY+0.1% QoQ
|
-239 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$36.5M
+4.6% YoY-3.1% QoQ
|
+$6.6M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
66% |
| Loans |
$23.5M
+1.6% YoY+2.8% QoQ
|
+$7.8M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$33.2M
+3.9% YoY-3.7% QoQ
|
+$7.7M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
68% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+51.0% YoY+18.5% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
3.8%
+6.7% YoY+1.8% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
79.5%
-9.0% YoY-5.1% QoQ
|
-1.8% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.2%
+13857.1% YoY+166.3% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
70.9%
-2.2% YoY+6.8% QoQ
|
+9.7% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$23,777
+4.4% YoY-1.2% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Top 10.3% in tier |
| CD Concentration |
16.8%
+39.9% YoY+16.4% QoQ
|
-7.6% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)