BROADVIEW

Charter #51 | NY

7B-10B (30 CUs) Large (64 CUs)
4 7B-10B in NY

BROADVIEW has 4 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 21.7% in tier
  • + Organic Growth Engine: Top 27.0% in tier
  • + Relationship Depth Leader: Top 30.8% in tier
  • + Wallet Share Momentum: Top 35.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 23.8% in tier
  • - Flatlined Growth: Bottom 66.7% in tier
  • - ROA 0.47% below tier average
  • - Efficiency ratio 16.66% above tier (higher cost structure)
  • - Delinquency rate 0.11% above tier average
  • - Net Worth Ratio: Bottom 6.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 510,624
+2.8% YoY+0.8% QoQ
 +51.3K 459,296
+3.8% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 63rd in tier
Assets $9.0B
+0.9% YoY-1.0% QoQ
 +$102.7M $8.9B
+1.2% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 50th in tier
Loans $6.9B
+2.5% YoY+1.6% QoQ
 +$521.3M $6.3B
+2.9% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 57th in tier
Deposits $8.0B
+5.7% YoY-1.5% QoQ
 +$517.5M $7.5B
+2.3% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 0.6%
+212.1% YoY+45.2% QoQ
 -0.5% 1.0%
+22.1% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Bottom 16.7% in tier
NIM 2.9%
+13.4% YoY+2.1% QoQ
 -0.1% 3.0%
+11.5% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 50th in tier
Efficiency Ratio 80.4%
-11.2% YoY-4.7% QoQ
 +16.7% 63.7%
-2.2% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 6.7% in tier
Delinquency Rate 0.8%
-8.9% YoY+10.7% QoQ
 +0.1 0.7%
+10.8% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 53rd in tier
Loan To Share 86.1%
-3.1% YoY+3.2% QoQ
 +0.7% 85.4%
+0.7% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 43rd in tier
AMR $29,050
+1.4% YoY-0.9% QoQ
 $-5K $33,660
-2.9% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 43rd in tier
CD Concentration 20.4%
+6.5% YoY+0.9% QoQ
 -8.4% 28.9%
-1.3% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Bottom 17.2% in tier
Indirect Auto % 10.3%
+3.0% YoY+4.3% QoQ
 -6.3% 16.6%
-10.3% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 34th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#19 of 28 • Top 21.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.80%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank worsening

Organic Growth Engine

growth
#41 of 50 • Top 27.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.80%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.56%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 10.27%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY

Relationship Depth Leader

growth
#37 of 46 • Top 30.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.35%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.0K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Wallet Share Momentum

growth
#43 of 46 • Top 35.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.35%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (2)

Efficiency Drag

risk
#6 of 6 • Bottom 23.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.38%
(Tier: 66.07%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.38% points
(Tier: 0.13% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 2.80%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
6 of 64 Large CUs have this signature | 624 nationally
→ Stable (8→6 CUs) -2 CUs YoY | Rank worsening

Flatlined Growth

risk
#5 of 6 • Bottom 66.7% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $9.02B
(Tier: $8.92B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 0.88%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Return on Assets: 0.56%
(Tier: 0.91%, National: 0.71%)
worse than tier avg
6 of 64 Large CUs have this signature | 82 nationally
→ Stable (3→6 CUs) +3 CUs YoY | New qualifier

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)

Comparing against 30 peers in tier

Top Strengths (2 metrics)

5
Net Charge-Off Rate
risk
Value: 0.27%
Peer Avg: 0.56%
#5 of 30 Top 13.3% in 7B-10B tier
7
Share Certificate Concentration (%)
balance_sheet
Value: 20.44%
Peer Avg: 26.92%
#7 of 30 Top 20.0% in 7B-10B tier

Top Weaknesses (3 metrics)

29
Efficiency Ratio
profitability
Value: 80.38%
Peer Avg: 63.73%
#29 of 30 Bottom 6.7% in 7B-10B tier
29
Net Worth Ratio
risk
Value: 8.78%
Peer Avg: 12.36%
#29 of 30 Bottom 6.7% in 7B-10B tier
25
Return on Assets (ROA)
profitability
Value: 0.56%
Peer Avg: 1.03%
#25 of 30 Bottom 20.0% in 7B-10B tier