BlastPoint's Credit Union Scorecard

THE ANDOVERS

Charter #16067 · MA

<100M

2556 CUs in <100M nationally 67 in MA

THE ANDOVERS has 1 strength but faces 2 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 0.13% above tier average

Key Concerns

Areas that may need attention

- Loan-to-Share Ratio: Bottom 7.3% in tier
- Net Interest Margin (NIM): Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	2,167 -0.1% YoY+2.5% QoQ	-448	2,615 -1.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	54%
Assets	$36.2M +0.9% YoY-0.9% QoQ	+$6.1M	$30.1M +2.1% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	66%
Loans	$8.2M -8.0% YoY-5.0% QoQ	$-7.6M	$15.8M -1.3% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	45%
Deposits	$31.5M +0.2% YoY-1.3% QoQ	+$5.8M	$25.7M +1.4% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	67%

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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% +108.6% YoY+20.6% QoQ	+0.1%	0.6% +10.8% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	54%
NIM	2.5% +16.5% YoY+5.0% QoQ	-1.4%	4.0% +4.0% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	Bottom 8.5% in tier
Efficiency Ratio	71.9% -14.7% YoY-6.7% QoQ	-10.7%	82.6% -2.3% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	31%
Delinquency Rate	1.0% +955.7% YoY-53.4% QoQ	-0.6	1.6% -3.1% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	60%
Loan To Share	26.0% -8.1% YoY-3.7% QoQ	-34.6%	60.6% -3.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	Bottom 7.2% in tier
AMR	$18,316 -1.5% YoY-4.5% QoQ	+$4K	$14,783 -1.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	72%
CD Concentration	17.3% +6.3% YoY+6.4% QoQ	-7.2%	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 (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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

Top Weaknesses (2 metrics)

2371

Loan-to-Share Ratio

balance_sheet

Value: 26.04%

Peer Median: -

#2371 of 2556 Bottom 7.3% in <100M tier

2338

Net Interest Margin (NIM)

profitability

Value: 2.53%

Peer Median: -

#2338 of 2556 Bottom 8.6% in <100M tier