BlastPoint's Credit Union Scorecard
WILLIAMSVILLE
Charter #8618 · NY
WILLIAMSVILLE has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 24.88% above tier (higher cost structure)
- - Member decline: -4.9% YoY
- - Fee Income Per Member: Bottom 6.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -5.8% year over year ($9.8M in shares and deposits).
- Membership: 1,841 members, -4.9% vs a year ago.
- Delinquency rate 0.15%.
- Return on assets 0.40%.
- Efficiency ratio 113.65% vs a 88.77% peer average.
- Loan-to-share ratio 51.53% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,841
-4.9% YoY-0.6% QoQ
|
-744 |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$11.1M
-5.3% YoY+2.4% QoQ
|
$-19.1M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$5.1M
-14.5% YoY-2.3% QoQ
|
$-10.4M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$9.8M
-5.8% YoY+2.8% QoQ
|
$-16.0M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.4%
-162.9% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
2.9%
-11.4% YoY-6.0% QoQ
|
-1.0% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 13.9% in tier |
| Efficiency Ratio |
113.6%
+14.6% YoY-5.6% QoQ
|
+24.9% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.1% in tier |
| Delinquency Rate |
0.2%
-64.0% YoY-92.5% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
51.5%
-9.3% YoY-4.9% QoQ
|
-7.4% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$8,069
-4.3% YoY+1.6% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration |
4.6%
+56.8% YoY-7.0% QoQ
|
-19.9% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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)