BlastPoint's Credit Union Scorecard
NIAGARA FALLS TEACHERS
Charter #98 · NY
NIAGARA FALLS TEACHERS has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.82% above tier average
- + Net Interest Margin 0.09% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,230
-2.8% YoY-0.4% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$11.8M
-3.3% YoY+1.6% QoQ
|
$-18.4M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$4.3M
-13.3% YoY-2.4% QoQ
|
$-11.5M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$9.5M
-5.8% YoY+2.0% QoQ
|
$-16.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
1.4%
+129.5% YoY-20.9% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
4.0%
+29.7% YoY-2.8% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
65.4%
-15.4% YoY+13.4% QoQ
|
-17.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
45.0%
-7.9% YoY-4.3% QoQ
|
-15.6% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$11,215
-5.5% YoY+1.0% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
6.2%
-18.5% YoY-1.8% QoQ
|
-18.2% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)