BlastPoint's Credit Union Scorecard
BUFFALO CONRAIL
Charter #845 · NY
BUFFALO CONRAIL demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% above tier average
- + Net Interest Margin 0.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.9% in tier
- + Loan-to-Share Ratio: Top 1.8% in tier
- + Average Member Relationship (AMR): Top 2.1% in tier
- + Total Loans: Top 7.4% in tier
- + Efficiency Ratio: Top 8.4% 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 |
2,563
+1.1% YoY-0.3% QoQ
|
-62 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$55.1M
+3.2% YoY+0.3% QoQ
|
+$25.2M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$45.0M
+5.6% YoY+0.1% QoQ
|
+$29.2M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 7.5% in tier |
| Deposits |
$42.0M
+1.9% YoY-0.1% QoQ
|
+$16.5M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
77% |
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| ROA |
1.8%
+0.3% YoY-3.4% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 13.6% in tier |
| NIM |
4.1%
+6.4% YoY+1.5% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
53.8%
-1.8% YoY-3.2% QoQ
|
-27.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate |
0.3%
+396.4% YoY+52.8% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
33% |
| Loan To Share |
107.2%
+3.7% YoY+0.3% QoQ
|
+45.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 2.0% in tier |
| AMR |
$33,925
+2.7% YoY+0.3% QoQ
|
+$19K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Top 2.2% in tier |
| CD Concentration |
18.5%
+22.3% YoY-2.8% QoQ
|
-5.9% |
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)