BlastPoint's Credit Union Scorecard
ROCKLAND
Charter #24224 · MA
ROCKLAND has 3 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 65.5% in tier
- + ROA 0.07% above tier average
- + Members Per Employee (MPE): Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 42.6% in tier
- - Liquidity Strain: Bottom 45.5% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
206,023
+3.0% YoY-0.3% QoQ
|
-24.3K |
230,353
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$3.5B
+6.6% YoY+0.6% QoQ
|
$-490.0M |
$3.9B
+0.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$3.0B
+2.7% YoY-0.2% QoQ
|
+$113.7M |
$2.9B
-0.2% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$3.0B
+8.1% YoY+1.9% QoQ
|
$-277.7M |
$3.3B
-0.3% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.8%
+54.1% YoY-6.5% QoQ
|
+0.1% |
0.7%
+16.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
2.4%
+30.0% YoY-0.1% QoQ
|
-0.8% |
3.1%
+9.8% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio |
64.2%
-10.1% YoY+2.0% QoQ
|
-7.2% |
71.4%
-1.4% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.4%
-21.1% YoY+6.4% QoQ
|
-0.4 |
0.9%
+5.8% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
100.5%
-4.9% YoY-2.1% QoQ
|
+11.6% |
88.9%
-0.2% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$29,521
+2.3% YoY+1.2% QoQ
|
$-162 |
$29,682
+1.5% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
39.3%
+2.8% YoY-0.6% QoQ
|
+10.3% | 29.0% | 25.0% | 19.8% | Top 12.8% in tier |
| Indirect Auto % |
27.4%
-12.2% YoY-1.9% QoQ
|
+9.1% | 18.3% | 2.4% | 7.8% | 73% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)