BlastPoint's Credit Union Scorecard
AMHERST
Charter #5439 · NY
AMHERST demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,850
-1.5% YoY-0.5% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$40.6M
+1.5% YoY-2.5% QoQ
|
+$10.7M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$20.4M
-5.9% YoY-3.8% QoQ
|
+$4.6M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$36.4M
+0.3% YoY-3.2% QoQ
|
+$11.0M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
72% |
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 |
1.0%
+35.8% YoY+10.8% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
3.4%
+15.0% YoY+3.1% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
31% |
| Efficiency Ratio |
72.2%
-9.8% YoY-1.8% QoQ
|
-9.2% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.6%
+107.7% YoY+139.6% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
55.9%
-6.2% YoY-0.7% QoQ
|
-5.3% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$14,751
-0.5% YoY-2.9% QoQ
|
+$124 |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
6.5%
+1.5% YoY+13.6% QoQ
|
-17.9% |
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)