BlastPoint's Credit Union Scorecard
AUBURN COMMUNITY
Charter #988 · NY
AUBURN COMMUNITY has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 0.09% above tier average
- + Net Charge-Off Rate: Top 2.5% in tier
- + Share Certificate Concentration (%): Top 3.8% in tier
- + Total Delinquency Rate (60+ days): Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency ratio 0.11% above tier (higher cost structure)
- - Total Loans: Bottom 2.4% in tier
- - Loan-to-Share Ratio: Bottom 3.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,831
+0.6% YoY+1.4% QoQ
|
-7.3K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$123.5M
+4.0% YoY+4.5% QoQ
|
$-108.2M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
15% |
| Loans |
$38.0M
+10.8% YoY+7.3% QoQ
|
$-106.1M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.3% in tier |
| Deposits |
$106.5M
+3.5% YoY+5.5% QoQ
|
$-94.6M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 15.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+93.4% YoY+5.5% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
69% |
| NIM |
3.7%
+9.9% YoY+1.2% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
57% |
| Efficiency Ratio |
78.1%
-7.0% YoY+0.6% QoQ
|
+0.1% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.1%
+20.8% YoY-54.6% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 7.4% in tier |
| Loan To Share |
35.7%
+7.0% YoY+1.8% QoQ
|
-34.7% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.1% in tier |
| AMR |
$18,460
+4.7% YoY+4.5% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
3.7%
+817.0% YoY+928.6% QoQ
|
-20.6% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)