BlastPoint's Credit Union Scorecard
MILLS42
Charter #12666 · MA
MILLS42 has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,927
+0.0% YoY-1.3% QoQ
|
+311 |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$31.2M
+7.8% YoY+2.4% QoQ
|
+$1.0M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$20.5M
-2.4% YoY-0.4% QoQ
|
+$4.7M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$27.3M
+9.2% YoY+2.4% QoQ
|
+$1.6M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
1.0%
+28.7% YoY+3.6% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
3.7%
-8.4% YoY-0.4% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
77.4%
-5.0% YoY-1.9% QoQ
|
-5.2% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.0%
-98.2% YoY
|
-1.5 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Top 13.9% in tier |
| Loan To Share |
74.9%
-10.6% YoY-2.8% QoQ
|
+14.3% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$16,313
+3.9% YoY+2.6% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
39.2%
-3.3% YoY-0.2% QoQ
|
+14.8% | 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)