BlastPoint's Credit Union Scorecard
NIAGARA FRONTIER FEDERAL MUNICIPAL
Charter #63793 ยท NY
2596 CUs in <100M nationally
188 in NY
NIAGARA FRONTIER FEDERAL MUNICIPAL has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.18% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 4.37% below tier average
- - Efficiency ratio 82.22% above tier (higher cost structure)
- - Member decline: -14.7% YoY
- - Member Growth Rate: Bottom 2.9% in tier
- - Net Worth Ratio: Bottom 5.9% in tier
- - Total Members: Bottom 7.4% in tier
- - Members Per Employee (MPE): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
278
-14.7% YoY-4.8% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 7.3% in tier |
| Assets |
$2.1M
-6.4% YoY-3.2% QoQ
|
$-27.8M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.3% in tier |
| Loans |
$1.3M
-6.3% YoY-6.6% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.3% in tier |
| Deposits |
$1.9M
-2.3% YoY-2.6% QoQ
|
$-23.5M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.6% in tier |
| ROA |
-3.7%
+287.8% YoY-3.9% QoQ
|
-4.4% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.7% in tier |
| NIM |
5.1%
+1.7% YoY+3.2% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 12.2% in tier |
| Efficiency Ratio |
163.6%
+17.2% YoY-2.7% QoQ
|
+82.2% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.2% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
67.1%
-4.1% YoY-4.0% QoQ
|
+5.8% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$11,517
+12.7% YoY+0.6% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
0.4%
-72.6% YoY-60.3% QoQ
|
-24.0% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
161
AMR Growth Rate
growth
Value:
12.68%
Peer Avg: 4.67%
#161 of 2596
Top 6.2% in <100M tier
318
Net Interest Margin (NIM)
profitability
Value:
5.11%
Peer Avg: 3.93%
#318 of 2596
Top 12.2% in <100M tier
614
Share Certificate Concentration (%)
balance_sheet
Value:
0.42%
Peer Avg: 15.37%
#614 of 2596
Top 23.6% in <100M tier
Top Weaknesses (10 metrics)
2552
Return on Assets (ROA)
profitability
Value:
-3.68%
Peer Avg: 0.68%
#2552 of 2596
Bottom 1.7% in <100M tier
2540
Efficiency Ratio
profitability
Value:
163.61%
Peer Avg: 81.39%
#2540 of 2596
Bottom 2.2% in <100M tier
2522
Member Growth Rate
growth
Value:
-14.72%
Peer Avg: 14.92%
#2522 of 2596
Bottom 2.9% in <100M tier
2443
Net Worth Ratio
risk
Value:
8.35%
Peer Avg: 16.43%
#2443 of 2596
Bottom 5.9% in <100M tier
2405
Total Members
engagement
Value:
278
Peer Avg: 2,626
#2405 of 2596
Bottom 7.4% in <100M tier
2362
Members Per Employee (MPE)
engagement
Value:
139.000
Peer Avg: 365.701
#2362 of 2596
Bottom 9.1% in <100M tier
2329
Total Assets
balance_sheet
Value:
$2.09M
Peer Avg: $29.86M
#2329 of 2596
Bottom 10.3% in <100M tier
2324
Asset Growth Rate
growth
Value:
-6.44%
Peer Avg: 1.82%
#2324 of 2596
Bottom 10.5% in <100M tier
2295
Total Deposits
balance_sheet
Value:
$1.92M
Peer Avg: $25.45M
#2295 of 2596
Bottom 11.6% in <100M tier
2252
Total Loans
balance_sheet
Value:
$1.29M
Peer Avg: $15.77M
#2252 of 2596
Bottom 13.3% in <100M tier