BlastPoint's Credit Union Scorecard
DIGITAL
Charter #23521 · MA
DIGITAL has 5 strengths but faces 8 concerns
How does the industry compare?
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 68.8% in tier
- + Organic Growth Leader: Top 100.0% in tier
- + Net Interest Margin 0.80% 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 40.0% in tier
- - Liquidity Strain: Bottom 90.9% in tier
- - ROA 0.05% below tier average
- - Delinquency rate 0.04% above tier average
- - 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-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,159,110
+0.5% YoY-2.5% QoQ
|
-672.2K |
1,831,295
-0.2% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$13.1B
+3.5% YoY+1.7% QoQ
|
$-16.1B |
$29.1B
+3.6% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.3% in tier |
| Loans |
$10.8B
-1.1% YoY-0.1% QoQ
|
$-10.6B |
$21.4B
+2.0% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$11.7B
+6.6% YoY+2.7% QoQ
|
$-13.2B |
$24.9B
+4.3% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
0.7%
+16.6% YoY-16.6% QoQ
|
-0.0% |
0.7%
+30.7% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
3.9%
+4.8% YoY-0.6% QoQ
|
+0.8% |
3.1%
+7.9% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 9.5% in tier |
| Efficiency Ratio |
63.4%
-4.4% YoY+2.3% QoQ
|
-1.2% |
64.6%
-4.0% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
1.2%
+15.6% YoY+5.7% QoQ
|
+0.0 |
1.2%
+0.3% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
91.8%
-7.2% YoY-2.7% QoQ
|
+2.7% |
89.1%
-2.0% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$19,384
+2.2% YoY+4.0% QoQ
|
$-12K |
$31,580
+8.5% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.8% in tier |
| CD Concentration |
15.0%
+0.7% YoY-5.4% QoQ
|
-16.5% | 31.4% | 25.0% | 19.8% | Bottom 4.8% in tier |
| Indirect Auto % |
3.7%
+0.5% YoY-0.2% QoQ
|
-10.5% | 14.1% | 2.4% | 7.8% | 24% |
Signature Analysis
Strengths (2)
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.
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)