BlastPoint's Credit Union Scorecard
NIAGARA REGIONAL
Charter #3285 · NY
NIAGARA REGIONAL has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Strong member growth: 9984.3% YoY
- + Total Members: Top 0.1% in tier
- + Members Per Employee (MPE): Top 0.1% in tier
- + Member Growth Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 0.2% in tier
- - AMR Growth Rate: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.4% in tier
- - Net Worth Ratio: Bottom 6.1% in tier
- - Fee Income Per Member: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
239,300
+9984.3% YoY+9992.8% QoQ
|
+236.6K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 0.1% in tier |
| Assets |
$39.8M
+6.0% YoY+5.8% QoQ
|
+$9.6M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
69% |
| Loans |
$24.2M
+7.9% YoY+2.4% QoQ
|
+$9.0M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
77% |
| Deposits |
$36.4M
+5.6% YoY+6.2% QoQ
|
+$10.6M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
71% |
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| ROA |
0.6%
-12.0% YoY-20.7% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
51% |
| NIM |
3.6%
-2.9% YoY-5.5% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
81.5%
-2.4% YoY+1.0% QoQ
|
-9.1% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate | 0.2% | -1.3 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
29% |
| Loan To Share |
66.7%
+2.1% YoY-3.6% QoQ
|
+8.2% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$253.3
-98.9% YoY-99.0% QoQ
|
$-15K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.2% in tier |
| CD Concentration |
18.2%
+23.2% YoY+4.3% QoQ
|
-6.1% | 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)