BlastPoint's Credit Union Scorecard

SOUTHERN CHAUTAUQUA

Charter #9107 · NY

1077 CUs in 100M-500M nationally 52 in NY

SOUTHERN CHAUTAUQUA has 11 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 0.3% in tier
+ Organic Growth Leader: Top 3.8% in tier
+ Emerging Performer: Top 6.3% in tier
+ Profitability Leader: Top 44.5% in tier
+ ROA 0.71% above tier average
+ Net Interest Margin 1.87% above tier average
+ Strong member growth: 6.6% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 5.9% in tier
+ Member Growth Rate: Top 6.1% in tier
+ Net Worth Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 9.5% in tier
- Shrinking Wallet Share: Bottom 12.0% in tier
- Credit Quality Pressure: Bottom 16.7% in tier
- Credit Risk Growth: Bottom 26.0% in tier
- Liquidity Overhang: Bottom 91.0% in tier
- Delinquency rate 0.06% above tier average
- Average Member Relationship (AMR): Bottom 2.3% in tier
- AMR Growth Rate: Bottom 8.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	20,766 +6.6% YoY+2.0% QoQ	+5.1K	15,628 -3.4% YoY	25,964 +5.4% YoY	33,089 +6.1% YoY	77%
Assets	$158.5M +6.6% YoY-1.5% QoQ	$-72.8M	$231.3M -0.0% YoY	$471.3M +6.4% YoY	$547.7M +7.8% YoY	34%
Loans	$118.0M +1.0% YoY+0.1% QoQ	$-29.8M	$147.8M -1.4% YoY	$316.5M +7.1% YoY	$388.7M +8.6% YoY	46%
Deposits	$131.9M +6.0% YoY-2.1% QoQ	$-68.4M	$200.3M -0.0% YoY	$400.0M +7.6% YoY	$464.6M +9.3% YoY	32%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% -14.3% YoY+14.1% QoQ	+0.7%	0.8% +15.5% YoY	0.9% +294.0% YoY	0.7% +273.4% YoY	Top 12.1% in tier
NIM	5.4% +7.4% YoY+5.4% QoQ	+1.9%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	Top 1.0% in tier
Efficiency Ratio	70.8% +1.5% YoY-6.3% QoQ	-6.5%	77.3% -3.0% YoY	80.1% -6.2% YoY	79.1% -3.3% YoY	28%
Delinquency Rate	0.9% +19.9% YoY+74.8% QoQ	+0.1	0.9% +7.6% YoY	1.7% -8.3% YoY	1.2% -0.9% YoY	66%
Loan To Share	89.5% -4.7% YoY+2.2% QoQ	+16.8%	72.7% -1.5% YoY	61.5% -2.3% YoY	68.0% -1.7% YoY	84%
AMR	$12,034 -2.8% YoY-2.9% QoQ	$-12K	$24,363 +2.9% YoY	$19,040 -21.7% YoY	$19,418 +1.3% YoY	Bottom 2.2% in tier
CD Concentration	28.2% +26.3% YoY+37.4% QoQ	+3.8%	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 (4)

Organic Growth Engine

growth

#6 of 603 • Top 0.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.56%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.50%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY

Organic Growth Leader

growth

#51 of 430 • Top 3.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 6.56%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Emerging Performer

growth

#13 of 191 • Top 6.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.50%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 6.56%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Profitability Leader

growth

#152 of 340 • Top 44.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.50%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.25% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (5)

Margin Compression

decline

#41 of 136 • Bottom 9.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.50%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.75%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.25% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#121 of 244 • Bottom 12.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.83%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Credit Quality Pressure

risk

#414 of 736 • Bottom 16.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#391 of 446 • Bottom 26.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.98%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Liquidity Overhang

risk

#122 of 134 • Bottom 91.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.83%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 89.46%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.45%

Peer Avg: -

#11 of 1077 Top 0.9% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 5.01%

Peer Avg: -

#65 of 1077 Top 5.9% in 100M-500M tier

Member Growth Rate

growth

Value: 6.56%

Peer Avg: -

#67 of 1077 Top 6.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.83%

Peer Avg: -

#86 of 1077 Top 7.9% in 100M-500M tier

130

Return on Assets (ROA)

profitability

Value: 1.50%

Peer Avg: -

#130 of 1077 Top 12.0% in 100M-500M tier

174

Loan-to-Share Ratio

balance_sheet

Value: 89.46%

Peer Avg: -

#174 of 1077 Top 16.1% in 100M-500M tier

246

Total Members

engagement

Value: 20,766

Peer Avg: -

#246 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1053

Average Member Relationship (AMR)

engagement

Value: $12,034

Peer Avg: -

#1053 of 1077 Bottom 2.3% in 100M-500M tier

984

AMR Growth Rate

growth

Value: -2.83%

Peer Avg: -

#984 of 1077 Bottom 8.7% in 100M-500M tier

962

Loan-to-Member Ratio (LMR)

engagement

Value: $5,683

Peer Avg: -

#962 of 1077 Bottom 10.8% in 100M-500M tier

905

Net Charge-Off Rate

risk

Value: 0.78%

Peer Avg: -

#905 of 1077 Bottom 16.1% in 100M-500M tier