BlastPoint's Credit Union Scorecard
NORTH ADAMS M E
Charter #13274 ยท MA
2596 CUs in <100M nationally
68 in MA
NORTH ADAMS M E has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.79% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 8.71% above tier (higher cost structure)
- - Delinquency rate 2.09% above tier average
- - Member decline: -3.5% YoY
- - Total Members: Bottom 9.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
334
-3.5% YoY-2.1% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 8.9% in tier |
| Assets |
$2.3M
+7.3% YoY+0.1% QoQ
|
$-27.6M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.9% in tier |
| Loans |
$1.3M
-5.3% YoY-1.9% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.6% in tier |
| Deposits |
$1.8M
+8.3% YoY-0.0% QoQ
|
$-23.6M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.3% in tier |
| ROA |
0.5%
-52.3% YoY-17.4% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
4.7%
-11.5% YoY+1.6% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
90.1%
+10.3% YoY+2.6% QoQ
|
+8.7% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
77% |
| Delinquency Rate |
3.6%
-31.0% YoY-55.5% QoQ
|
+2.1 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 9.6% in tier |
| Loan To Share |
72.8%
-12.5% YoY-1.9% QoQ
|
+11.6% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
67% |
| AMR |
$9,407
+5.8% YoY+1.2% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
324
Deposit Growth Rate
growth
Value:
8.26%
Peer Avg: 16.80%
#324 of 2596
Top 12.4% in <100M tier
402
Asset Growth Rate
growth
Value:
7.25%
Peer Avg: 1.82%
#402 of 2596
Top 15.4% in <100M tier
522
Net Interest Margin (NIM)
profitability
Value:
4.73%
Peer Avg: 3.93%
#522 of 2596
Top 20.1% in <100M tier
582
AMR Growth Rate
growth
Value:
5.78%
Peer Avg: 4.67%
#582 of 2596
Top 22.4% in <100M tier
620
Net Worth Ratio
risk
Value:
19.38%
Peer Avg: 16.43%
#620 of 2596
Top 23.8% in <100M tier
Top Weaknesses (8 metrics)
2364
Total Members
engagement
Value:
334
Peer Avg: 2,626
#2364 of 2596
Bottom 9.0% in <100M tier
2348
Total Delinquency Rate (60+ days)
risk
Value:
3.60%
Peer Avg: 1.51%
#2348 of 2596
Bottom 9.6% in <100M tier
2314
Total Assets
balance_sheet
Value:
$2.26M
Peer Avg: $29.86M
#2314 of 2596
Bottom 10.9% in <100M tier
2303
Total Deposits
balance_sheet
Value:
$1.82M
Peer Avg: $25.45M
#2303 of 2596
Bottom 11.3% in <100M tier
2301
Members Per Employee (MPE)
engagement
Value:
167.000
Peer Avg: 365.701
#2301 of 2596
Bottom 11.4% in <100M tier
2243
Total Loans
balance_sheet
Value:
$1.32M
Peer Avg: $15.77M
#2243 of 2596
Bottom 13.6% in <100M tier
2135
Fee Income Per Member
profitability
Value:
$8.53
Peer Avg: $182.96
#2135 of 2596
Bottom 17.8% in <100M tier
1994
Efficiency Ratio
profitability
Value:
90.10%
Peer Avg: 81.39%
#1994 of 2596
Bottom 23.2% in <100M tier