BlastPoint's Credit Union Scorecard
MESSIAH BAPTIST-JUBILEE
Charter #24043 · MA
MESSIAH BAPTIST-JUBILEE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Strong member growth: 9.2% YoY
- + Member Growth Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.13% above tier average
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Loans: Bottom 4.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.6% in tier
- - Total Assets: Bottom 5.9% in tier
- - Total Deposits: Bottom 6.1% in tier
- - Total Members: Bottom 6.3% in tier
- - Average Member Relationship (AMR): Bottom 7.5% in tier
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 +6.8% year over year ($887K in shares and deposits).
- Membership: 250 members, +9.2% vs a year ago.
- Delinquency rate 1.67%.
- Return on assets 1.65%.
- Efficiency ratio 77.02% vs a 88.77% peer average.
- Loan-to-share ratio 26.43% 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 |
250
+9.2% YoY+9.2% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Bottom 6.2% in tier |
| Assets |
$1.1M
+8.3% YoY-0.7% QoQ
|
$-29.1M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.9% in tier |
| Loans |
$234,267
-11.9% YoY+0.3% QoQ
|
$-15.2M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.5% in tier |
| Deposits |
$886,528
+6.8% YoY-0.2% QoQ
|
$-24.9M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.0% in tier |
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| ROA |
1.6%
-61.7% YoY-73.3% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
3.7%
-33.7% YoY-54.2% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
77.0%
+178.9% YoY+133.6% QoQ
|
-11.7% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
1.7%
+43.5% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
26.4%
-17.5% YoY+0.5% QoQ
|
-32.5% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.2% in tier |
| AMR |
$4,483
-6.3% YoY-8.5% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.4% in tier |
| CD Concentration |
8.8%
+0.0% YoY+2.7% QoQ
|
-15.8% | 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)