BlastPoint's Credit Union Scorecard
I-C
Charter #24250 · MA
I-C has 1 strength but faces 9 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 68.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 30.7% in tier
- - Shrinking Wallet Share: Bottom 50.7% in tier
- - Indirect Auto Dependency: Bottom 99.8% in tier
- - ROA 1.03% below tier average
- - Efficiency ratio 27.34% above tier (higher cost structure)
- - Delinquency rate 0.59% above tier average
- - Fee Income Per Member: Bottom 4.8% in tier
- - Asset Growth Rate: Bottom 8.5% in tier
- - AMR Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,634
+1.7% YoY+0.1% QoQ
|
-1.9K |
38,575
-4.8% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$548.0M
-2.7% YoY+3.5% QoQ
|
$-73.7M |
$621.7M
+0.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$408.8M
-1.7% YoY+2.8% QoQ
|
$-21.0M |
$429.8M
-1.8% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$493.8M
-0.3% YoY+0.6% QoQ
|
$-44.9M |
$538.7M
+0.6% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
29% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.4%
-83.0% YoY-12.8% QoQ
|
-1.0% |
0.7%
+42.9% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.8% in tier |
| NIM |
3.1%
+12.9% YoY-1.0% QoQ
|
-0.4% |
3.4%
+8.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
104.9%
-7.7% YoY-1.2% QoQ
|
+27.3% |
77.5%
-4.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
1.4%
-36.7% YoY-24.4% QoQ
|
+0.6 |
0.8%
-1.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Top 14.5% in tier |
| Loan To Share |
82.8%
-1.4% YoY+2.2% QoQ
|
+2.9% |
79.8%
-2.3% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$24,639
-2.6% YoY+1.5% QoQ
|
$-2K |
$26,849
+2.7% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
21.8%
-6.1% YoY-6.1% QoQ
|
-2.6% | 24.4% | 25.0% | 19.8% | 41% |
| Indirect Auto % |
16.2%
-39.7% YoY-13.9% QoQ
|
+2.4% | 13.8% | 2.4% | 7.8% | 64% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)