BlastPoint's Credit Union Scorecard
SOUTHERN CHAUTAUQUA
Charter #9107 · NY
SOUTHERN CHAUTAUQUA has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 1.80% above tier average
- + Net Interest Margin 2.04% above tier average
- + Strong member growth: 6.5% YoY
- + First Mortgage Concentration (%): Top 5.7% in tier
- + Member Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Delinquency rate 0.98% above tier average
- - Average Member Relationship (AMR): Bottom 1.5% in tier
- - AMR Growth Rate: Bottom 6.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,346
+6.5% YoY+1.2% QoQ
|
+6.2K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
81% |
| Assets |
$166.3M
+6.0% YoY+2.5% QoQ
|
$-65.5M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
38% |
| Loans |
$115.0M
-1.2% YoY-1.4% QoQ
|
$-29.2M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$138.7M
+5.8% YoY+2.6% QoQ
|
$-62.4M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
2.5%
+59.1% YoY+56.8% QoQ
|
+1.8% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 1.2% in tier |
| NIM |
5.7%
+9.8% YoY+2.6% QoQ
|
+2.0% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 0.7% in tier |
| Efficiency Ratio |
71.7%
-4.2% YoY+7.3% QoQ
|
-6.4% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
1.8%
+299.0% YoY+30.2% QoQ
|
+1.0 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.1% in tier |
| Loan To Share |
82.9%
-6.6% YoY-3.9% QoQ
|
+12.5% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
75% |
| AMR |
$11,884
-3.7% YoY-0.4% QoQ
|
$-13K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.4% in tier |
| CD Concentration |
22.0%
-3.9% YoY-3.0% QoQ
|
-2.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)