BlastPoint's Credit Union Scorecard
AUBURN COMMUNITY
Charter #988 · NY
AUBURN COMMUNITY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 3.8% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 1.2% in tier
- + Share Certificate Concentration (%): Top 1.4% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 91.2% in tier
- - Efficiency ratio 0.24% above tier (higher cost structure)
- - Total Loans: Bottom 1.9% in tier
- - Loan-to-Share Ratio: Bottom 2.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,750
+0.1% YoY-0.6% QoQ
|
-7.9K |
15,628
-3.4% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 14.3% in tier |
| Assets |
$117.2M
+0.3% YoY-1.5% QoQ
|
$-114.1M |
$231.3M
-0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.9% in tier |
| Loans |
$35.8M
+6.9% YoY+2.1% QoQ
|
$-112.0M |
$147.8M
-1.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.8% in tier |
| Deposits |
$100.3M
-1.6% YoY-2.3% QoQ
|
$-100.0M |
$200.3M
-0.0% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.3% in tier |
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| ROA |
0.9%
-7.5% YoY+16.5% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
58% |
| NIM |
3.6%
+13.4% YoY+3.8% QoQ
|
+0.0% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
50% |
| Efficiency Ratio |
77.5%
+3.4% YoY-3.2% QoQ
|
+0.2% |
77.3%
-3.0% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.0%
-84.2% YoY-52.7% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 1.2% in tier |
| Loan To Share |
35.7%
+8.7% YoY+4.5% QoQ
|
-37.0% |
72.7%
-1.5% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.8% in tier |
| AMR |
$17,553
+0.4% YoY-0.6% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
0.4%
-34.6% YoY-2.8% QoQ
|
-24.0% |
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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)