BlastPoint's Credit Union Scorecard
NIAGARA FRONTIER FEDERAL MUNICIPAL
Charter #63793 · NY
NIAGARA FRONTIER FEDERAL MUNICIPAL has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.41% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.83% below tier average
- - Efficiency ratio 70.15% above tier (higher cost structure)
- - Member decline: -14.0% YoY
- - Member Growth Rate: Bottom 2.9% in tier
- - Asset Growth Rate: Bottom 5.4% in tier
- - Total Members: Bottom 6.9% in tier
- - Deposit Growth Rate: Bottom 8.2% in tier
- - Members Per Employee (MPE): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
270
-14.0% YoY-2.9% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 6.8% in tier |
| Assets |
$2.0M
-9.4% YoY-2.3% QoQ
|
$-28.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.7% in tier |
| Loans |
$1.2M
-13.4% YoY-9.2% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.3% in tier |
| Deposits |
$1.8M
-9.2% YoY-4.3% QoQ
|
$-23.9M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.9% in tier |
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| ROA |
-1.2%
-52.5% YoY-67.2% QoQ
|
-1.8% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.0% in tier |
| NIM |
5.4%
+3.6% YoY+4.9% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 8.5% in tier |
| Efficiency Ratio |
152.7%
+8.0% YoY-6.7% QoQ
|
+70.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.9% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
63.6%
-4.6% YoY-5.2% QoQ
|
+3.0% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$11,117
+3.6% YoY-3.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
0.4%
-78.9% YoY+5.4% QoQ
|
-24.0% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)