BlastPoint's Credit Union Scorecard
SOUTHERN CHAUTAUQUA
Charter #9107 · NY
SOUTHERN CHAUTAUQUA has 10 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.7% in tier
- + Emerging Performer: Top 3.3% in tier
- + Organic Growth Leader: Top 13.2% in tier
- + ROA 0.85% above tier average
- + Net Interest Margin 1.93% above tier average
- + Strong member growth: 6.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 5.6% in tier
- + Member Growth Rate: Top 6.1% in tier
- + Net Worth Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 7.4% in tier
- - Credit Quality Pressure: Bottom 13.8% in tier
- - Shrinking Wallet Share: Bottom 38.2% in tier
- - Liquidity Overhang: Bottom 88.1% in tier
- - Delinquency rate 0.45% above tier average
- - Average Member Relationship (AMR): Bottom 1.9% in tier
- - AMR Growth Rate: Bottom 6.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,094
+6.6% YoY+1.6% QoQ
|
+5.7K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$162.3M
+7.2% YoY+2.4% QoQ
|
$-69.6M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$116.6M
-1.0% YoY-1.2% QoQ
|
$-30.8M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$135.1M
+6.5% YoY+2.5% QoQ
|
$-65.7M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
1.6%
-20.1% YoY+7.6% QoQ
|
+0.9% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 8.1% in tier |
| NIM |
5.5%
+6.5% YoY+1.5% QoQ
|
+1.9% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 0.7% in tier |
| Efficiency Ratio |
66.8%
-2.8% YoY-5.6% QoQ
|
-10.2% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
1.3%
+77.6% YoY+46.7% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
86.3%
-7.1% YoY-3.6% QoQ
|
+14.0% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$11,933
-3.5% YoY-0.8% QoQ
|
$-13K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.8% in tier |
| CD Concentration |
22.7%
+1.7% YoY-19.8% QoQ
|
-1.8% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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 (<20%). Healthy, sustainable growth model.
Concerns (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)