BlastPoint's Credit Union Scorecard
I-C
Charter #24250 · MA
I-C has 1 strength but faces 5 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 Leader: Top 26.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.0% in tier
- - ROA 0.90% below tier average
- - Efficiency ratio 21.36% above tier (higher cost structure)
- - Delinquency rate 0.29% above tier average
- - Fee Income Per Member: 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 |
36,874
+2.3% YoY+0.7% QoQ
|
-1.2K |
38,079
-4.8% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$547.3M
+2.5% YoY-0.1% QoQ
|
$-72.4M |
$619.7M
-0.2% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$418.0M
+5.6% YoY+2.3% QoQ
|
$-1.3M |
$419.3M
-1.4% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$505.0M
+2.9% YoY+2.3% QoQ
|
$-34.5M |
$539.5M
-0.1% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
34% |
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| ROA |
-0.2%
-69.3% YoY-42.8% QoQ
|
-0.9% |
0.7%
+36.0% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.6% in tier |
| NIM |
3.0%
+8.5% YoY-0.8% QoQ
|
-0.4% |
3.5%
+4.5% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
99.7%
-12.8% YoY-4.9% QoQ
|
+21.4% |
78.4%
-3.7% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate |
1.0%
-46.5% YoY-30.6% QoQ
|
+0.3 |
0.7%
-0.9% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
82.8%
+2.6% YoY-0.0% QoQ
|
+5.1% |
77.7%
-1.2% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$25,032
+1.7% YoY+1.6% QoQ
|
$-2K |
$26,927
+3.1% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
20.9%
+6.3% YoY-4.0% QoQ
|
-3.3% | 24.3% | 25.2% | 19.8% | 38% |
| Indirect Auto % |
13.9%
-44.1% YoY-14.0% QoQ
|
+0.1% | 13.8% | 2.3% | 7.7% | 60% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)