BlastPoint's Credit Union Scorecard
WILLIAMSVILLE
Charter #8618 · NY
WILLIAMSVILLE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 1.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.78% below tier average
- - Efficiency ratio 29.75% above tier (higher cost structure)
- - Delinquency rate 0.53% above tier average
- - Member decline: -4.6% YoY
- - Fee Income Per Member: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,852
-4.6% YoY-3.2% QoQ
|
-824 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$10.9M
-5.9% YoY-2.8% QoQ
|
$-19.3M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
33% |
| Loans |
$5.2M
-13.9% YoY-5.2% QoQ
|
$-10.1M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$9.5M
-6.4% YoY-3.0% QoQ
|
$-16.2M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
-0.6%
-1137.1% YoY-1297.5% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.6% in tier |
| NIM |
3.1%
-7.8% YoY-8.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
120.4%
+22.6% YoY+22.3% QoQ
|
+29.8% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.8% in tier |
| Delinquency Rate |
2.0%
-32.9% QoQ
|
+0.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
54.2%
-8.0% YoY-2.3% QoQ
|
-4.3% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
44% |
| AMR |
$7,942
-4.8% YoY-0.5% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
5.0%
+65.4% YoY+8.1% QoQ
|
-19.3% | 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)