BlastPoint's Credit Union Scorecard
WILLIAMSVILLE
Charter #8618 · NY
WILLIAMSVILLE has 1 strength but faces 3 concerns
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 0.53% below tier average
- - Efficiency ratio 13.93% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,923
-1.7% YoY-0.6% QoQ
|
-702 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$10.8M
-4.8% YoY-8.5% QoQ
|
$-19.1M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$5.7M
-10.9% YoY-3.3% QoQ
|
$-10.1M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
37% |
| Deposits |
$9.4M
-5.3% YoY-9.7% QoQ
|
$-16.1M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
35% |
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| ROA |
0.2%
+4.6% YoY+435.3% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
3.2%
+1.5% YoY-1.0% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
95.3%
-0.1% YoY-3.8% QoQ
|
+13.9% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.4%
+5.6% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
60.8%
-5.9% YoY+7.1% QoQ
|
-0.4% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$7,858
-5.9% YoY-6.8% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
4.5%
+262.3% YoY+52.7% QoQ
|
-19.9% |
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)