BlastPoint's Credit Union Scorecard
NESC
Charter #12334 · MA
NESC has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 2.1% in tier
- + Net Interest Margin 0.38% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 0.2% in tier
- - Stagnation Risk: Bottom 1.7% in tier
- - Credit Quality Pressure: Bottom 10.3% in tier
- - Institutional Decline: Bottom 14.7% in tier
- - Efficiency Drag: Bottom 25.1% in tier
- - Margin Compression: Bottom 32.0% in tier
- - ROA 0.03% below tier average
- - Efficiency ratio 5.57% above tier (higher cost structure)
- - Member decline: -20.1% YoY
- - Member Growth Rate: Bottom 0.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,869
-20.1% YoY-0.1% QoQ
|
-7.8K |
15,628
-3.4% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 14.7% in tier |
| Assets |
$121.1M
+6.2% YoY+0.1% QoQ
|
$-110.2M |
$231.3M
-0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.8% in tier |
| Loans |
$86.4M
-2.1% YoY-0.1% QoQ
|
$-61.4M |
$147.8M
-1.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$107.7M
+5.9% YoY+0.1% QoQ
|
$-92.6M |
$200.3M
-0.0% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
16% |
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 |
0.8%
-13.9% YoY+3.1% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
4.0%
-2.7% YoY+0.9% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
71% |
| Efficiency Ratio |
82.8%
+3.9% YoY+0.0% QoQ
|
+5.6% |
77.3%
-3.0% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.4%
+281.7% YoY-16.0% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
80.2%
-7.6% YoY-0.2% QoQ
|
+7.5% |
72.7%
-1.5% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$24,656
+27.9% YoY+0.0% QoQ
|
+$293 |
$24,363
+2.9% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
24.0%
+13.8% YoY+3.8% QoQ
|
-0.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)