BlastPoint's Credit Union Scorecard
NOTRE DAME COMMUNITY
Charter #2792 · MA
NOTRE DAME COMMUNITY has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency ratio 3.17% above tier (higher cost structure)
- - Delinquency rate 0.40% above tier average
- - Member decline: -6.8% YoY
- - First Mortgage Concentration (%): Bottom 1.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,134
-6.8% YoY-2.5% QoQ
|
+518 |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$55.5M
-3.6% YoY-1.9% QoQ
|
+$25.4M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$19.8M
-1.3% YoY+0.6% QoQ
|
+$4.0M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$48.3M
-2.7% YoY-2.3% QoQ
|
+$22.7M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
0.4%
+399.1% YoY-2.4% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
2.7%
+23.2% YoY+3.4% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.8% in tier |
| Efficiency Ratio |
85.7%
-10.9% YoY+0.9% QoQ
|
+3.2% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
2.0%
+63.2% YoY+244.5% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
40.9%
+1.5% YoY+3.0% QoQ
|
-19.7% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$21,742
+4.8% YoY+1.1% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
22.7%
+14.3% YoY+4.6% QoQ
|
-1.7% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 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)