BlastPoint's Credit Union Scorecard

WILLIAMSVILLE

Charter #8618 · NY

2556 CUs in <100M nationally 183 in NY

WILLIAMSVILLE has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.57% below tier average
- Efficiency ratio 15.88% above tier (higher cost structure)
- Delinquency rate 1.48% above tier average
- Fee Income Per Member: Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	1,914 -1.8% YoY-0.5% QoQ	-701	2,615 -1.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	50%
Assets	$11.2M +0.6% YoY+4.1% QoQ	$-19.0M	$30.1M +2.1% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	34%
Loans	$5.5M -11.4% YoY-4.6% QoQ	$-10.3M	$15.8M -1.3% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	36%
Deposits	$9.8M +0.5% YoY+4.6% QoQ	$-15.9M	$25.7M +1.4% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	36%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -59.0% YoY-65.2% QoQ	-0.6%	0.6% +10.8% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	18%
NIM	3.3% -1.0% YoY+4.1% QoQ	-0.6%	4.0% +4.0% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	29%
Efficiency Ratio	98.4% +2.3% YoY+3.3% QoQ	+15.9%	82.6% -2.3% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	Top 12.8% in tier
Delinquency Rate	3.0% +2594.8% YoY+579.3% QoQ	+1.5	1.6% -3.1% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	Top 12.8% in tier
Loan To Share	55.5% -11.9% YoY-8.8% QoQ	-5.1%	60.6% -3.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	42%
AMR	$7,986 -2.3% YoY+1.6% QoQ	$-7K	$14,783 -1.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	19%
CD Concentration	4.6% +265.0% YoY+2.2% QoQ	-19.8%	24.4%	16.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

434

Members Per Employee (MPE)

engagement

Value: 478.500

Peer Median: -

#434 of 2556 Top 16.9% in <100M tier

569

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: -

#569 of 2556 Top 22.2% in <100M tier

Top Weaknesses (8 metrics)

2371

Fee Income Per Member

profitability

Value: $1.19

Peer Median: -

#2371 of 2556 Bottom 7.3% in <100M tier

2257

First Mortgage Concentration (%)

balance_sheet

Value: 42.63%

Peer Median: -

#2257 of 2556 Bottom 11.7% in <100M tier

2231

Total Delinquency Rate (60+ days)

risk

Value: 3.03%

Peer Median: -

#2231 of 2556 Bottom 12.8% in <100M tier

2229

Efficiency Ratio

profitability

Value: 98.44%

Peer Median: -

#2229 of 2556 Bottom 12.8% in <100M tier

2126

Loan Growth Rate

growth

Value: -11.41%

Peer Median: -

#2126 of 2556 Bottom 16.9% in <100M tier

2082

Return on Assets (ROA)

profitability

Value: 0.05%

Peer Median: -

#2082 of 2556 Bottom 18.6% in <100M tier

2069

Average Member Relationship (AMR)

engagement

Value: $7,986

Peer Median: -

#2069 of 2556 Bottom 19.1% in <100M tier

1998

Loan-to-Member Ratio (LMR)

engagement

Value: $2,849

Peer Median: -

#1998 of 2556 Bottom 21.9% in <100M tier