BlastPoint's Credit Union Scorecard

DIGITAL

Charter #23521 · MA

Titans 10B+

24 CUs in 10B+ nationally 1 in MA

View Titans leaderboard →

DIGITAL has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 4.2% in tier
+ Organic Growth Engine: Top 8.3% in tier
+ Net Interest Margin 0.87% above tier average
+ Strong member growth: 60.5% YoY
+ Asset Growth Rate: Top 0.1% in tier
+ Loan Growth Rate: Top 0.1% in tier
+ Deposit Growth Rate: Top 0.1% in tier
+ AMR Growth Rate: Top 0.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.2% in tier
- Credit Quality Pressure: Bottom 16.7% in tier
- ROA 0.27% below tier average
- Delinquency rate 0.32% above tier average
- Net Charge-Off Rate: Bottom 8.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	1,868,605 +60.5% YoY+61.2% QoQ	+156.0K	1,712,610 -8.0% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	83%
Assets	$28.6B +121.3% YoY+118.4% QoQ	+$426.0M	$28.2B -3.2% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	75%
Loans	$22.1B +105.7% YoY+105.5% QoQ	+$1.9B	$20.2B -4.4% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	79%
Deposits	$24.6B +114.4% YoY+110.0% QoQ	+$519.9M	$24.1B -2.9% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	75%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -15.9% YoY-7.5% QoQ	-0.3%	0.9% +31.5% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	38%
NIM	4.1% +6.8% YoY+3.6% QoQ	+0.9%	3.2% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Top 8.3% in tier
Efficiency Ratio	63.2% -2.0% YoY-0.2% QoQ	-0.6%	63.9% -3.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	50%
Delinquency Rate	1.2% +21.1% YoY-0.3% QoQ	+0.3	0.9% -6.9% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	71%
Loan To Share	89.9% -4.0% YoY-2.1% QoQ	+3.9%	86.0% -3.3% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	54%
AMR	$24,989 +31.0% YoY+28.9% QoQ	$-7K	$32,099 +9.5% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	29%
CD Concentration	20.2% +36.3% YoY+34.8% QoQ	-10.0%	30.2%	25.2%	19.8%	Bottom 12.5% in tier
Indirect Auto %	7.0% +89.3% YoY+89.7% QoQ	-8.0%	14.9%	2.3%	7.7%	25%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#1 of 6 • Top 4.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 30.97%

(Tier: 4.48%, National: 6.36%)

better than tier avg

6 of 24 Titans CUs have this signature | 637 nationally

→ Stable (2→6 CUs) +4 CUs YoY | New qualifier

Organic Growth Engine

growth

#3 of 10 • Top 8.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 60.47%

(Tier: 8.10%, National: 10.19%)

better than tier avg

Return on Assets: 0.63%

(Tier: 0.90%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 6.97%

(Tier: 14.95%, National: 7.73%)

better than tier avg

10 of 24 Titans CUs have this signature | 499 nationally

→ No prior data (10 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#1 of 16 • Bottom 4.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 105.69%

(Tier: 12.96%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.07% points, National: 0.12% points)

worse than tier avg

16 of 24 Titans CUs have this signature | 710 nationally

→ No prior data (16 CUs now) | New qualifier

Credit Quality Pressure

risk

#4 of 19 • Bottom 16.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.07% points, National: 0.12% points)

worse than tier avg

19 of 24 Titans CUs have this signature | 1013 nationally

↑ Growing +6 CUs YoY | Rank improving

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 24 peers in tier

Top Strengths (13 metrics)

Asset Growth Rate

growth

Value: 121.33%

Peer Median: 7.03%

#1 of 24 Top 0.1% in 10B+ tier

Loan Growth Rate

growth

Value: 105.69%

Peer Median: 6.79%

#1 of 24 Top 0.1% in 10B+ tier

Deposit Growth Rate

growth

Value: 114.37%

Peer Median: 6.81%

#1 of 24 Top 0.1% in 10B+ tier

AMR Growth Rate

growth

Value: 30.97%

Peer Median: 3.58%

#1 of 24 Top 0.1% in 10B+ tier

Net Interest Margin (NIM)

profitability

Value: 4.07%

Peer Median: 3.08%

#2 of 24 Top 4.2% in 10B+ tier

Member Growth Rate

growth

Value: 60.47%

Peer Median: 4.08%

#2 of 24 Top 4.2% in 10B+ tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.18%

Peer Median: 31.24%

#4 of 24 Top 12.5% in 10B+ tier

Total Members

engagement

Value: 1,868,605

Peer Median: 1,003,618

#4 of 24 Top 12.5% in 10B+ tier

Members Per Employee (MPE)

engagement

Value: 543.990

Peer Median: 449.876

#4 of 24 Top 12.5% in 10B+ tier

Total Loans

balance_sheet

Value: $22.10B

Peer Median: $14.54B

#5 of 24 Top 16.7% in 10B+ tier

Top Weaknesses (1 metrics)

Net Charge-Off Rate

risk

Value: 1.76%

Peer Median: 0.74%

#23 of 24 Bottom 8.3% in 10B+ tier