BlastPoint's Credit Union Scorecard
ROCKLAND
Charter #24224 · MA
ROCKLAND has 5 strengths but faces 6 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
- + Strong member growth: 10.1% YoY
- + Members Per Employee (MPE): Top 0.1% in tier
- + Member Growth Rate: Top 9.1% in tier
- + Asset Growth Rate: Top 9.1% in tier
- + Deposit Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 7.5% in tier
- - Liquidity Strain: Bottom 11.7% in tier
- - Credit Risk Growth: Bottom 21.8% in tier
- - Credit Quality Pressure: Bottom 36.0% in tier
- - ROA 0.22% below tier average
- - Fee Income Per Member: Bottom 2.6% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Massachusetts.
- Shares and deposits +14.2% year over year ($3.32B in shares and deposits).
- Membership: 224,919 members, +10.1% vs a year ago.
- Delinquency rate 0.38%.
- Return on assets 0.71%.
- Efficiency ratio 65.03% vs a 69.45% peer average.
- Loan-to-share ratio 102.06% vs a 90.24% 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 |
224,919
+10.1% YoY+5.2% QoQ
|
+8.4K |
216,545
-9.5% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
58% |
| Assets |
$3.8B
+14.7% YoY+2.4% QoQ
|
$-74.0M |
$3.9B
-1.6% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$3.4B
+10.9% YoY+6.1% QoQ
|
+$456.4M |
$2.9B
-1.2% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$3.3B
+14.2% YoY+1.5% QoQ
|
+$61.9M |
$3.3B
-2.6% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
0.7%
+13.5% YoY+34.9% QoQ
|
-0.2% |
0.9%
+25.3% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
2.4%
+3.9% YoY+3.8% QoQ
|
-0.8% |
3.2%
+3.8% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.4% in tier |
| Efficiency Ratio |
65.0%
-0.6% YoY-9.3% QoQ
|
-4.4% |
69.5%
-2.3% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
35% |
| Delinquency Rate |
0.4%
+32.5% YoY+10.8% QoQ
|
-0.5 |
0.8%
+5.5% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
17% |
| Loan To Share |
102.1%
-2.9% YoY+4.5% QoQ
|
+11.8% |
90.2%
+0.9% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$29,818
+2.2% YoY-1.3% QoQ
|
$-1K |
$31,018
+6.9% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
37.1%
-2.4% YoY-2.3% QoQ
|
+8.0% | 29.1% | 25.4% | 20.0% | 83% |
| Indirect Auto % |
25.4%
-15.1% YoY+0.2% QoQ
|
+7.3% | 18.1% | 2.4% | 7.7% | 71% |
Signature Analysis
Strengths (0)
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)