BlastPoint's Credit Union Scorecard

ROCKLAND

Charter #24224 · MA

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 2 in MA
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ROCKLAND has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Strong member growth: 5.5% YoY
  • + Members Per Employee (MPE): Top 0.1% in tier
  • + Asset Growth Rate: Top 7.7% in tier
  • + Deposit Growth Rate: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 5.5% in tier
  • - Indirect Auto Dependency: Bottom 8.7% in tier
  • - Liquidity Strain: Bottom 16.7% in tier
  • - ROA 0.21% below tier average
  • - Efficiency ratio 0.39% above tier (higher cost structure)
  • - Fee Income Per Member: Bottom 5.1% in tier
  • - Net Interest Margin (NIM): Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 213,896
+5.5% YoY+3.8% QoQ
 -6.5K 220,435
-7.6% YoY
 33,485
+24.8% YoY
 33,913
+5.7% YoY
 51%
Assets $3.7B
+13.8% YoY+8.3% QoQ
 $-178.8M $3.9B
-1.5% YoY
 $590.7M
+35.2% YoY
 $578.3M
+9.0% YoY
 42%
Loans $3.2B
+6.4% YoY+4.8% QoQ
 +$300.9M $2.9B
-1.1% YoY
 $447.1M
+33.6% YoY
 $402.4M
+8.7% YoY
 69%
Deposits $3.3B
+13.2% YoY+7.8% QoQ
 $-28.7M $3.3B
-2.5% YoY
 $496.3M
+36.0% YoY
 $494.3M
+9.1% YoY
 45%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.5%
-19.6% YoY-33.1% QoQ
 -0.2% 0.7%
+10.6% YoY
 0.7%
+27.7% YoY
 0.4%
-39.2% YoY
 32%
NIM 2.3%
+4.1% YoY-0.4% QoQ
 -0.9% 3.2%
+4.6% YoY
 3.3%
+3.6% YoY
 3.8%
+4.1% YoY
 Bottom 7.7% in tier
Efficiency Ratio 71.7%
+12.2% YoY+11.7% QoQ
 +0.4% 71.3%
-2.6% YoY
 80.2%
-4.6% YoY
 84.6%
+2.8% YoY
 55%
Delinquency Rate 0.3%
-13.9% YoY-23.1% QoQ
 -0.4 0.7%
+9.2% YoY
 0.7%
-9.8% YoY
 1.2%
+3.4% YoY
 17%
Loan To Share 97.7%
-6.0% YoY-2.8% QoQ
 +9.7% 88.0%
+0.9% YoY
 71.5%
-1.7% YoY
 65.6%
-1.4% YoY
 76%
AMR $30,217
+4.0% YoY+2.4% QoQ
 $-455 $30,672
+5.5% YoY
 $25,479
+3.4% YoY
 $19,920
+1.6% YoY
 59%
CD Concentration 38.0%
+1.8% YoY-3.4% QoQ
 +9.1% 28.8% 25.2% 19.8% Top 13.6% in tier
Indirect Auto % 25.4%
-17.0% YoY-7.3% QoQ
 +7.3% 18.1% 2.3% 7.7% 70%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk
#65 of 198 • Bottom 8.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 13.82%
(Tier: 6.82%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 25.37%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 5.47%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY | Rank improving

Cost Spiral

risk
#5 of 11 • Bottom 5.5% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 7.82% points
(Tier: -2.46% points, National: 2.52% points)
worse than tier avg
Efficiency Ratio (Prior Year): 30.29%
(Tier: 53.09%, National: 64.04%)
but better than tier avg
11 of 384 Mid-Market CUs have this signature | 96 nationally
↓ Shrinking -10 CUs YoY | New qualifier

Liquidity Strain

risk
#69 of 148 • Bottom 16.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 97.70%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 6.36%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

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)

Comparing against 78 peers in tier

Top Strengths (6 metrics)

1
Members Per Employee (MPE)
engagement
Value: 813.293
Peer Median: 393.414
#1 of 78 Top 0.1% in 3B-5B tier
7
Asset Growth Rate
growth
Value: 13.82%
Peer Median: 5.44%
#7 of 78 Top 7.7% in 3B-5B tier
7
Deposit Growth Rate
growth
Value: 13.16%
Peer Median: 5.31%
#7 of 78 Top 7.7% in 3B-5B tier
9
Net Charge-Off Rate
risk
Value: 0.13%
Peer Median: 0.46%
#9 of 78 Top 10.3% in 3B-5B tier
14
Total Delinquency Rate (60+ days)
risk
Value: 0.34%
Peer Median: 0.54%
#14 of 78 Top 16.7% in 3B-5B tier
19
Loan-to-Share Ratio
balance_sheet
Value: 97.70%
Peer Median: 90.65%
#19 of 78 Top 23.1% in 3B-5B tier

Top Weaknesses (3 metrics)

75
Fee Income Per Member
profitability
Value: $62.01
Peer Median: $175.66
#75 of 78 Bottom 5.1% in 3B-5B tier
72
Net Interest Margin (NIM)
profitability
Value: 2.35%
Peer Median: 3.23%
#72 of 78 Bottom 9.0% in 3B-5B tier
61
Share Certificate Concentration (%)
balance_sheet
Value: 37.99%
Peer Median: 31.76%
#61 of 78 Bottom 23.1% in 3B-5B tier
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