BlastPoint's Credit Union Scorecard
BUFFALO CONRAIL
Charter #845 · NY
BUFFALO CONRAIL demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
- + Loan-to-Member Ratio (LMR): Top 0.9% in tier
- + Average Member Relationship (AMR): Top 2.1% in tier
- + Loan-to-Share Ratio: Top 4.3% in tier
- + Total Loans: Top 7.4% in tier
- + Asset Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,563
+0.8% YoY+0.5% QoQ
|
-113 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$59.0M
+8.6% YoY+2.7% QoQ
|
+$28.8M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
82% |
| Loans |
$43.9M
+0.7% YoY-2.0% QoQ
|
+$28.6M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 7.5% in tier |
| Deposits |
$45.5M
+8.8% YoY+3.3% QoQ
|
+$19.7M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
0.7%
-40.8% YoY-57.9% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
53% |
| NIM |
3.3%
-1.8% YoY-17.7% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
77.3%
+7.1% YoY+32.7% QoQ
|
-13.4% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate |
0.2%
+94.8% YoY+1.7% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
96.4%
-7.5% YoY-5.2% QoQ
|
+37.9% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 4.5% in tier |
| AMR |
$34,870
+3.8% YoY+0.2% QoQ
|
+$20K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Top 2.2% in tier |
| CD Concentration |
24.9%
+37.3% YoY+22.1% QoQ
|
+0.7% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)