BlastPoint's Credit Union Scorecard
DIGITAL
Charter #23521 · MA
DIGITAL has 7 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 22.2% in tier
- + Organic Growth Leader: Top 22.9% in tier
- + Emerging Performer: Top 100.0% in tier
- + ROA 0.05% above tier average
- + Net Interest Margin 0.84% above tier average
- + Share Certificate Concentration (%): Top 4.8% in tier
- + Members Per Employee (MPE): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.7% in tier
- - Liquidity Strain: Bottom 25.0% in tier
- - Fee Income Per Member: Bottom 9.5% in tier
- - Loan Growth Rate: Bottom 9.5% in tier
- - Average Member Relationship (AMR): Bottom 9.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,189,016
+3.0% YoY+1.2% QoQ
|
-633.4K |
1,822,416
+4.1% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$12.9B
+6.1% YoY+1.1% QoQ
|
$-15.9B |
$28.7B
+4.2% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.5% in tier |
| Loans |
$10.8B
-0.3% YoY+0.4% QoQ
|
$-10.3B |
$21.1B
+5.8% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$11.4B
+7.3% YoY+0.2% QoQ
|
$-13.0B |
$24.4B
+7.2% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
0.8%
+17.0% YoY+1.3% QoQ
|
+0.1% |
0.8%
+17.7% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
3.9%
+3.0% YoY+1.5% QoQ
|
+0.8% |
3.1%
+10.6% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 9.5% in tier |
| Efficiency Ratio |
61.9%
-7.9% YoY+0.4% QoQ
|
-2.3% |
64.3%
-4.3% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
1.2%
+8.2% YoY+4.9% QoQ
|
-0.0 |
1.2%
+9.7% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
48% |
| Loan To Share |
94.4%
-7.1% YoY+0.2% QoQ
|
+4.6% |
89.8%
-0.3% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
67% |
| AMR |
$18,645
+0.5% YoY-0.9% QoQ
|
$-13K |
$31,184
+7.8% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.8% in tier |
| CD Concentration |
15.8%
+19.3% YoY+2.8% QoQ
|
-16.1% |
31.9%
+2.0% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
Bottom 4.8% in tier |
| Indirect Auto % |
3.7%
-0.1% YoY-0.8% QoQ
|
-10.6% |
14.2%
-8.9% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
24% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)