BlastPoint's Credit Union Scorecard

HEALTH ALLIANCE

Charter #17679 · MA

<100M

2508 CUs in <100M nationally 66 in MA

HEALTH ALLIANCE demonstrates 3 strengths

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 1.86% above tier average
+ Net Interest Margin 2.23% above tier average
+ Members Per Employee (MPE): Top 6.8% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	1,239 +2.3% YoY+0.8% QoQ	-1.4K	2,676 +1.6% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	34%
Assets	$6.1M +0.3% YoY+4.6% QoQ	$-24.1M	$30.2M +1.3% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	23%
Loans	$4.0M -1.7% YoY-0.4% QoQ	$-11.3M	$15.3M -2.0% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	29%
Deposits	$5.1M -2.1% YoY+4.5% QoQ	$-20.7M	$25.8M +0.7% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	23%

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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	2.0% -16.1% YoY+1.8% QoQ	+1.9%	0.1% -77.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	Top 6.3% in tier
NIM	6.2% -1.0% YoY-6.1% QoQ	+2.2%	4.0% +4.0% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Top 3.0% in tier
Efficiency Ratio	64.8% +7.1% YoY+8.4% QoQ	-25.8%	90.6% +6.5% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	18%
Delinquency Rate	1.1% +219.3% YoY-22.4% QoQ	-0.4	1.5% +3.8% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	66%
Loan To Share	78.4% +0.4% YoY-4.7% QoQ	+19.9%	58.5% -3.0% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	80%
AMR	$7,318 -4.1% YoY+1.5% QoQ	$-8K	$14,884 -1.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	16%
CD Concentration	23.6% +6.0% YoY+11.2% QoQ	-0.7%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	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 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Net Interest Margin (NIM)

profitability

Value: 6.24%

Peer Median: 3.83%

#75 of 2508 Top 3.0% in <100M tier

158

Return on Assets (ROA)

profitability

Value: 2.01%

Peer Median: 0.61%

#158 of 2508 Top 6.3% in <100M tier

171

Members Per Employee (MPE)

engagement

Value: 619.500

Peer Median: 333.750

#171 of 2508 Top 6.8% in <100M tier

374

Member Growth Rate

growth

Value: 2.31%

Peer Median: -1.37%

#374 of 2508 Top 14.9% in <100M tier

444

Efficiency Ratio

profitability

Value: 64.84%

Peer Median: 81.45%

#444 of 2508 Top 17.7% in <100M tier

498

Loan-to-Share Ratio

balance_sheet

Value: 78.44%

Peer Median: 58.72%

#498 of 2508 Top 19.8% in <100M tier

Top Weaknesses (6 metrics)

2111

Average Member Relationship (AMR)

engagement

Value: $7,318

Peer Median: $13,926

#2111 of 2508 Bottom 15.9% in <100M tier

2058

Fee Income Per Member

profitability

Value: $8.37

Peer Median: $60.42

#2058 of 2508 Bottom 18.0% in <100M tier

2008

AMR Growth Rate

growth

Value: -4.14%

Peer Median: 1.27%

#2008 of 2508 Bottom 20.0% in <100M tier

1942

Total Assets

balance_sheet

Value: $6.07M

Peer Median: $21.86M

#1942 of 2508 Bottom 22.6% in <100M tier

1928

Total Deposits

balance_sheet

Value: $5.08M

Peer Median: $18.77M

#1928 of 2508 Bottom 23.2% in <100M tier

1911

Net Charge-Off Rate

risk

Value: 0.57%

Peer Median: 0.07%

#1911 of 2508 Bottom 23.8% in <100M tier