BlastPoint's Credit Union Scorecard
THE ANDOVERS
Charter #16067 · MA
THE ANDOVERS has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.65% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 7.3% in tier
- - Net Interest Margin (NIM): Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,152
+0.0% YoY-0.7% QoQ
|
-524 |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$36.5M
-0.2% YoY+0.7% QoQ
|
+$6.3M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
66% |
| Loans |
$7.9M
-9.5% YoY-3.6% QoQ
|
$-7.4M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
45% |
| Deposits |
$31.7M
-1.1% YoY+0.5% QoQ
|
+$5.9M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
67% |
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| ROA |
0.8%
+83.5% YoY+6.5% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
2.6%
+11.1% YoY+1.0% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.7% in tier |
| Efficiency Ratio |
74.2%
-10.7% YoY+3.2% QoQ
|
-16.5% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
1.2%
+499.2% YoY+18.3% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
25.0%
-8.5% YoY-4.1% QoQ
|
-33.5% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.2% in tier |
| AMR |
$18,382
-3.0% YoY+0.4% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
18.5%
+10.0% YoY+7.1% QoQ
|
-5.8% | 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)