BlastPoint's Credit Union Scorecard
HEALTH ALLIANCE
Charter #17679 · MA
HEALTH ALLIANCE demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.82% above tier average
- + Net Interest Margin 2.50% above tier average
- + Members Per Employee (MPE): Top 6.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits -3.5% year over year ($4.9M in shares and deposits).
- Membership: 1,237 members, +1.6% vs a year ago.
- Delinquency rate 1.51%.
- Return on assets 2.32%.
- Efficiency ratio 61.27% vs a 88.77% peer average.
- Loan-to-share ratio 81.55% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,237
+1.6% YoY-0.2% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$6.0M
-0.9% YoY-1.6% QoQ
|
$-24.3M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$4.0M
+0.2% YoY+1.2% QoQ
|
$-11.4M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$4.9M
-3.5% YoY-2.7% QoQ
|
$-20.9M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
2.3%
-11.2% YoY+15.4% QoQ
|
+0.8% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Top 6.6% in tier |
| NIM |
6.4%
+0.7% YoY+2.5% QoQ
|
+2.5% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Top 2.0% in tier |
| Efficiency Ratio |
61.3%
+6.2% YoY-5.5% QoQ
|
-27.5% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Top 12.8% in tier |
| Delinquency Rate |
1.5%
+54.2% YoY+35.4% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
81.6%
+3.8% YoY+4.0% QoQ
|
+22.7% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$7,260
-3.3% YoY-0.8% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
24.7%
+12.9% YoY+5.0% QoQ
|
+0.2% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 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)