BlastPoint's Credit Union Scorecard

NESC

Charter #12334 · MA

1069 CUs in 100M-500M nationally 32 in MA

NESC has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?
MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.01% above tier average
  • + Net Interest Margin 0.42% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 27.1% in tier
  • - Efficiency Drag: Bottom 30.9% in tier
  • - Margin Compression: Bottom 100.0% in tier
  • - Efficiency ratio 5.31% above tier (higher cost structure)
  • - Delinquency rate 0.05% above tier average

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 7,860
+0.2% YoY-0.1% QoQ
 -7.6K 15,437
-2.9% YoY
 27,118
+2.4% YoY
 33,374
+5.7% YoY
 16%
Assets $121.1M
+6.4% YoY+0.0% QoQ
 $-110.8M $231.9M
+1.3% YoY
 $450.6M
+5.5% YoY
 $561.6M
+9.7% YoY
 Bottom 14.0% in tier
Loans $88.0M
-0.2% YoY+1.9% QoQ
 $-59.3M $147.3M
-0.1% YoY
 $346.1M
+3.6% YoY
 $397.0M
+8.8% YoY
 27%
Deposits $107.7M
+6.3% YoY+0.0% QoQ
 $-93.1M $200.8M
+0.8% YoY
 $377.7M
+7.2% YoY
 $477.3M
+9.7% YoY
 16%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.8%
-12.0% YoY+1.4% QoQ
 +0.0% 0.8%
+18.2% YoY
 0.6%
+6.8% YoY
 0.7%
+15.9% YoY
 51%
NIM 4.0%
-0.5% YoY+1.4% QoQ
 +0.4% 3.6%
+6.7% YoY
 3.3%
+4.1% YoY
 3.8%
+5.1% YoY
 73%
Efficiency Ratio 82.3%
+3.4% YoY-0.6% QoQ
 +5.3% 77.0%
-3.1% YoY
 81.2%
-12.2% YoY
 79.7%
-3.3% YoY
 68%
Delinquency Rate 0.9%
+64.1% YoY+124.6% QoQ
 +0.0 0.9%
+4.2% YoY
 0.9%
+13.0% YoY
 1.3%
-2.1% YoY
 66%
Loan To Share 81.7%
-6.2% YoY+1.9% QoQ
 +9.5% 72.2%
-1.1% YoY
 73.5%
-2.0% YoY
 67.4%
-1.7% YoY
 69%
AMR $24,903
+3.0% YoY+1.0% QoQ
 +$227 $24,676
+3.4% YoY
 $25,262
+4.8% YoY
 $19,687
+2.0% YoY
 62%
CD Concentration 24.6%
+10.3% YoY+2.4% QoQ
 +0.2% 24.4% 25.0% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 2.4% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Quality Pressure

risk
#192 of 705 • Bottom 27.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.37% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

Efficiency Drag

risk
#167 of 538 • Bottom 30.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.32%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.11% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 0.23%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | New qualifier

Margin Compression

decline
#123 of 123 • Bottom 100.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.77%
(Tier: 0.75%, National: 0.67%)
but better than tier avg
ROA (Prior Year): 0.88%
(Tier: 0.63%, National: 0.62%)
but better than tier avg
ROA Change (YoY): -0.11% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally
→ No prior data (123 CUs now) | New qualifier

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)

Comparing against 1069 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 1069 Top 0.0% in 100M-500M tier
197
Net Charge-Off Rate
risk
Value: 0.13%
Peer Median: -
#197 of 1069 Top 18.3% in 100M-500M tier

Top Weaknesses (4 metrics)

919
Total Assets
balance_sheet
Value: $121.11M
Peer Median: -
#919 of 1069 Bottom 14.1% in 100M-500M tier
897
Total Members
engagement
Value: 7,860
Peer Median: -
#897 of 1069 Bottom 16.2% in 100M-500M tier
895
Total Deposits
balance_sheet
Value: $107.70M
Peer Median: -
#895 of 1069 Bottom 16.4% in 100M-500M tier
871
First Mortgage Concentration (%)
balance_sheet
Value: 46.35%
Peer Median: -
#871 of 1069 Bottom 18.6% in 100M-500M tier
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