BlastPoint's Credit Union Scorecard
ROCKLAND
Charter #24224 · MA
ROCKLAND has 4 strengths but faces 3 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 78.3% in tier
- + Credit Quality Leader: Top 98.9% in tier
- + ROA 0.09% above tier average
- + Members Per Employee (MPE): Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.5% in tier
- - Liquidity Strain: Bottom 10.5% in tier
- - Fee Income Per Member: Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
206,717
+0.3% YoY+1.2% QoQ
|
-31.7K |
238,465
+0.6% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$3.4B
+8.1% YoY+2.9% QoQ
|
$-538.8M |
$4.0B
-0.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$3.1B
+4.7% YoY-0.0% QoQ
|
+$36.0M |
$3.0B
+3.3% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$3.0B
+7.6% YoY+2.4% QoQ
|
$-357.1M |
$3.3B
+1.1% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
0.8%
+72.7% YoY+34.4% QoQ
|
+0.1% |
0.7%
+5.3% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
2.4%
+32.0% YoY+0.6% QoQ
|
-0.8% |
3.2%
+13.7% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio |
62.9%
-15.3% YoY-3.8% QoQ
|
-8.4% |
71.3%
-0.6% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.4%
-31.1% YoY+46.2% QoQ
|
-0.4 |
0.8%
+15.9% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
28% |
| Loan To Share |
102.7%
-2.6% YoY-2.3% QoQ
|
+11.8% |
90.8%
+2.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$29,175
+5.8% YoY-0.0% QoQ
|
+$88 |
$29,088
+0.1% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration |
39.6%
+4.6% YoY+4.1% QoQ
|
+10.6% |
29.0%
+0.7% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
Top 12.9% in tier |
| Indirect Auto % |
27.9%
-8.2% YoY-6.8% QoQ
|
+9.1% |
18.8%
-3.0% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
72% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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)