BlastPoint's Credit Union Scorecard
AUBURN COMMUNITY
Charter #988 · NY
AUBURN COMMUNITY has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.07% above tier average
- + Share Certificate Concentration (%): Top 1.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.68% above tier (higher cost structure)
- - Total Loans: Bottom 1.8% in tier
- - Loan-to-Share Ratio: Bottom 2.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,723
-0.2% YoY-0.3% QoQ
|
-7.7K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 14.7% in tier |
| Assets |
$118.1M
+1.2% YoY+0.8% QoQ
|
$-113.7M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.2% in tier |
| Loans |
$35.4M
+4.1% YoY-0.9% QoQ
|
$-111.9M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.7% in tier |
| Deposits |
$101.0M
+0.0% YoY+0.7% QoQ
|
$-99.8M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.0% in tier |
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| ROA |
0.9%
+4.1% YoY+4.2% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
3.7%
+13.2% YoY+2.2% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
77.7%
+1.1% YoY+0.2% QoQ
|
+0.7% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.2%
-20.5% YoY
|
-0.6 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 11.9% in tier |
| Loan To Share |
35.1%
+4.1% YoY-1.7% QoQ
|
-37.2% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.6% in tier |
| AMR |
$17,666
+1.3% YoY+0.6% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
0.4%
-19.4% YoY-2.1% QoQ
|
-24.1% | 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)