BlastPoint's Credit Union Scorecard
NORTH ADAMS M E
Charter #13274 · MA
NORTH ADAMS M E has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.49% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.84% below tier average
- - Efficiency ratio 47.26% above tier (higher cost structure)
- - Delinquency rate 1.93% above tier average
- - Member decline: -3.0% YoY
- - Fee Income Per Member: Bottom 0.4% in tier
- - Total Members: Bottom 8.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
328
-3.0% YoY-1.2% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 8.5% in tier |
| Assets |
$2.3M
+2.2% YoY+1.8% QoQ
|
$-27.9M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.2% in tier |
| Loans |
$1.1M
-9.5% YoY-7.8% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.4% in tier |
| Deposits |
$1.8M
+3.5% YoY+3.4% QoQ
|
$-23.9M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.8% in tier |
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| ROA |
-1.7%
+11.1% YoY-441.9% QoQ
|
-1.8% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.5% in tier |
| NIM |
4.5%
-10.2% YoY-5.7% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
137.9%
+6.7% YoY+53.3% QoQ
|
+47.3% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.8% in tier |
| Delinquency Rate |
3.4%
-55.0% YoY-17.8% QoQ
|
+1.9 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.4% in tier |
| Loan To Share |
61.1%
-12.6% YoY-10.9% QoQ
|
+2.6% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$9,052
+1.2% YoY+0.1% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 7.7% | 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)