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 0.74% above tier average
- + Net Interest Margin 1.07% above tier average
- + Strong member growth: 5.5% YoY
- + First Mortgage Concentration (%): Top 5.6% in tier
- + Net Worth Ratio: Top 6.7% 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
- - Liquidity Overhang: Bottom 50.0% in tier
- - Delinquency rate 0.73% above tier average
- - Average Member Relationship (AMR): Bottom 1.3% in tier
- - AMR Growth Rate: Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
- Shares and deposits +0.1% year over year ($135M in shares and deposits).
- Membership: 21,498 members, +5.5% vs a year ago.
- Delinquency rate 1.61%.
- Return on assets 1.60%.
- Efficiency ratio 75.28% vs a 76.73% peer average.
- Loan-to-share ratio 85.93% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,498
+5.5% YoY+0.7% QoQ
|
+6.3K |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
81% |
| Assets |
$163.1M
+1.3% YoY-1.9% QoQ
|
$-68.9M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$115.8M
-1.7% YoY+0.7% QoQ
|
$-30.5M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$134.8M
+0.1% YoY-2.8% QoQ
|
$-65.9M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
1.6%
+22.1% YoY-36.5% QoQ
|
+0.7% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 10.2% in tier |
| NIM |
4.8%
-8.0% YoY-16.2% QoQ
|
+1.1% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 6.5% in tier |
| Efficiency Ratio |
75.3%
-0.3% YoY+5.1% QoQ
|
-1.4% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
42% |
| Delinquency Rate |
1.6%
+206.8% YoY-8.1% QoQ
|
+0.7 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.7% in tier |
| Loan To Share |
85.9%
-1.8% YoY+3.7% QoQ
|
+14.4% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$11,656
-6.0% YoY-1.9% QoQ
|
$-13K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.2% in tier |
| CD Concentration |
20.7%
+0.7% YoY-5.8% QoQ
|
-3.8% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 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 (3)
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)