BlastPoint's Credit Union Scorecard
NORTH ADAMS M E
Charter #13274 · MA
2556 CUs in <100M nationally
67 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 0.82% 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 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 7.41% above tier (higher cost structure)
- - Delinquency rate 2.63% above tier average
- - Member decline: -2.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 8.0% in tier
- - Total Members: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
332
-2.1% YoY-0.6% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 8.7% in tier |
| Assets |
$2.2M
+5.6% YoY-1.6% QoQ
|
$-27.9M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.4% in tier |
| Loans |
$1.2M
-8.6% YoY-7.7% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.8% in tier |
| Deposits |
$1.8M
+6.5% YoY-2.0% QoQ
|
$-23.9M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.7% in tier |
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| ROA |
0.5%
-87.9% YoY+3.4% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
4.8%
+5.3% YoY+1.0% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
90.0%
+848.2% YoY-0.2% QoQ
|
+7.4% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
4.2%
-35.7% YoY+16.4% QoQ
|
+2.6 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Top 8.0% in tier |
| Loan To Share |
68.6%
-14.2% YoY-5.8% QoQ
|
+7.9% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$9,047
+1.9% YoY-3.8% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration | 0.0% | -24.4% | 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 (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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
473
Deposit Growth Rate
growth
Value:
6.47%
Peer Median: -
#473 of 2556
Top 18.5% in <100M tier
491
Net Interest Margin (NIM)
profitability
Value:
4.77%
Peer Median: -
#491 of 2556
Top 19.2% in <100M tier
594
Net Worth Ratio
risk
Value:
19.72%
Peer Median: -
#594 of 2556
Top 23.2% in <100M tier
607
Asset Growth Rate
growth
Value:
5.62%
Peer Median: -
#607 of 2556
Top 23.7% in <100M tier
Top Weaknesses (10 metrics)
2353
Total Delinquency Rate (60+ days)
risk
Value:
4.18%
Peer Median: -
#2353 of 2556
Bottom 8.0% in <100M tier
2333
Total Members
engagement
Value:
332
Peer Median: -
#2333 of 2556
Bottom 8.8% in <100M tier
2291
Total Assets
balance_sheet
Value:
$2.22M
Peer Median: -
#2291 of 2556
Bottom 10.4% in <100M tier
2283
Total Deposits
balance_sheet
Value:
$1.78M
Peer Median: -
#2283 of 2556
Bottom 10.7% in <100M tier
2266
Members Per Employee (MPE)
engagement
Value:
166.000
Peer Median: -
#2266 of 2556
Bottom 11.4% in <100M tier
2230
Total Loans
balance_sheet
Value:
$1.22M
Peer Median: -
#2230 of 2556
Bottom 12.8% in <100M tier
2055
Fee Income Per Member
profitability
Value:
$11.86
Peer Median: -
#2055 of 2556
Bottom 19.6% in <100M tier
1953
Average Member Relationship (AMR)
engagement
Value:
$9,047
Peer Median: -
#1953 of 2556
Bottom 23.6% in <100M tier
1921
Loan Growth Rate
growth
Value:
-8.63%
Peer Median: -
#1921 of 2556
Bottom 24.9% in <100M tier
1919
Efficiency Ratio
profitability
Value:
89.96%
Peer Median: -
#1919 of 2556
Bottom 25.0% in <100M tier