BlastPoint's Credit Union Scorecard

JAMESTOWN AREA COMMUNITY

Charter #3551 · NY

<100M

2508 CUs in <100M nationally 179 in NY

JAMESTOWN AREA COMMUNITY demonstrates 5 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 1.55% above tier average
+ Total Deposits: Top 5.3% in tier
+ Total Loans: Top 5.3% in tier
+ Total Assets: Top 6.1% in tier
+ Total Members: Top 7.3% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	6,309 -0.0% YoY+0.3% QoQ	+3.6K	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	Top 7.3% in tier
Assets	$83.2M +4.7% YoY+0.8% QoQ	+$53.0M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	Top 6.2% in tier
Loans	$49.0M +1.2% YoY+2.7% QoQ	+$33.8M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	Top 5.3% in tier
Deposits	$74.2M +3.5% YoY+0.5% QoQ	+$48.4M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	Top 5.3% in tier

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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	1.7% +27.1% YoY+3.3% QoQ	+1.6%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Top 10.8% in tier
NIM	3.9% +4.8% YoY+0.4% QoQ	-0.1%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	54%
Efficiency Ratio	62.7% -9.8% YoY+0.3% QoQ	-28.0%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	15%
Delinquency Rate	0.0% -80.2% YoY	-1.5	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	15%
Loan To Share	66.1% -2.2% YoY+2.2% QoQ	+7.6%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	61%
AMR	$19,529 +2.6% YoY+1.0% QoQ	+$5K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	76%
CD Concentration	0.0%	-24.3%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	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 2508 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

133

Total Deposits

balance_sheet

Value: $74.16M

Peer Median: $18.77M

#133 of 2508 Top 5.3% in <100M tier

133

Total Loans

balance_sheet

Value: $49.05M

Peer Median: $9.48M

#133 of 2508 Top 5.3% in <100M tier

155

Total Assets

balance_sheet

Value: $83.21M

Peer Median: $21.86M

#155 of 2508 Top 6.1% in <100M tier

183

Total Members

engagement

Value: 6,309

Peer Median: 1,918

#183 of 2508 Top 7.3% in <100M tier

272

Return on Assets (ROA)

profitability

Value: 1.70%

Peer Median: 0.61%

#272 of 2508 Top 10.8% in <100M tier

380

Total Delinquency Rate (60+ days)

risk

Value: 0.02%

Peer Median: 0.65%

#380 of 2508 Top 15.1% in <100M tier

383

Efficiency Ratio

profitability

Value: 62.67%

Peer Median: 81.45%

#383 of 2508 Top 15.2% in <100M tier

477

Loan-to-Member Ratio (LMR)

engagement

Value: $7,774

Peer Median: $4,923

#477 of 2508 Top 19.0% in <100M tier

Top Weaknesses (2 metrics)

1913

Net Worth Ratio

risk

Value: 10.89%

Peer Median: 14.28%

#1913 of 2508 Bottom 23.8% in <100M tier

1895

First Mortgage Concentration (%)

balance_sheet

Value: 26.53%

Peer Median: 3.66%

#1895 of 2508 Bottom 24.5% in <100M tier