BlastPoint's Credit Union Scorecard
MESSIAH BAPTIST-JUBILEE
Charter #24043 · MA
<100M
2508 CUs in <100M nationally
66 in MA
MESSIAH BAPTIST-JUBILEE has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 6.04% above tier average
- + Net Interest Margin 4.03% above tier average
- + Efficiency Ratio: Top 1.2% in tier
- + Asset Growth Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Loans: Bottom 4.7% in tier
- - Total Members: Bottom 5.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.9% in tier
- - Total Assets: Bottom 6.0% in tier
- - Total Deposits: Bottom 6.2% in tier
- - Loan-to-Share Ratio: Bottom 8.5% in tier
- - Average Member Relationship (AMR): Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
229
-0.4% YoY-2.1% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 5.4% in tier |
| Assets |
$1.1M
+11.3% YoY+3.8% QoQ
|
$-29.0M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.0% in tier |
| Loans |
$233,534
-11.8% YoY-10.9% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.7% in tier |
| Deposits |
$888,063
+8.7% YoY+2.7% QoQ
|
$-24.9M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.2% in tier |
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| ROA |
6.2%
+32.7% YoY+115.8% QoQ
|
+6.0% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
Top 0.4% in tier |
| NIM |
8.0%
+11.6% YoY+121.0% QoQ
|
+4.0% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Top 0.6% in tier |
| Efficiency Ratio |
33.0%
-15.9% YoY+19.9% QoQ
|
-57.7% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
1.2%
+0.2% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
26.3%
-18.9% YoY-13.2% QoQ
|
-32.2% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 8.3% in tier |
| AMR |
$4,898
+4.1% YoY+1.7% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.9% in tier |
| CD Concentration |
8.6%
-4.1% YoY+1.5% QoQ
|
-15.7% | 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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
10
Return on Assets (ROA)
profitability
Value:
6.18%
Peer Median: 0.61%
#10 of 2508
Top 0.4% in <100M tier
15
Net Interest Margin (NIM)
profitability
Value:
8.04%
Peer Median: 3.83%
#15 of 2508
Top 0.6% in <100M tier
31
Efficiency Ratio
profitability
Value:
32.97%
Peer Median: 81.45%
#31 of 2508
Top 1.2% in <100M tier
148
Asset Growth Rate
growth
Value:
11.34%
Peer Median: 1.30%
#148 of 2508
Top 5.9% in <100M tier
268
Deposit Growth Rate
growth
Value:
8.70%
Peer Median: 0.66%
#268 of 2508
Top 10.6% in <100M tier
389
Net Worth Ratio
risk
Value:
22.58%
Peer Median: 14.28%
#389 of 2508
Top 15.5% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (9 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2391
Total Loans
balance_sheet
Value:
$233,534
Peer Median: $9.48M
#2391 of 2508
Bottom 4.7% in <100M tier
2373
Total Members
engagement
Value:
229
Peer Median: 1,918
#2373 of 2508
Bottom 5.4% in <100M tier
2362
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,020
Peer Median: $4,923
#2362 of 2508
Bottom 5.9% in <100M tier
2358
Total Assets
balance_sheet
Value:
$1.15M
Peer Median: $21.86M
#2358 of 2508
Bottom 6.0% in <100M tier
2353
Total Deposits
balance_sheet
Value:
$888,063
Peer Median: $18.77M
#2353 of 2508
Bottom 6.2% in <100M tier
2297
Loan-to-Share Ratio
balance_sheet
Value:
26.30%
Peer Median: 58.72%
#2297 of 2508
Bottom 8.5% in <100M tier
2286
Average Member Relationship (AMR)
engagement
Value:
$4,898
Peer Median: $13,926
#2286 of 2508
Bottom 8.9% in <100M tier
2061
Loan Growth Rate
growth
Value:
-11.80%
Peer Median: -2.36%
#2061 of 2508
Bottom 17.9% in <100M tier