BlastPoint's Credit Union Scorecard
I-C
Charter #24250 · MA
I-C has 2 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
- + Loan Growth Rate: Top 7.3% in tier
- + Asset Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.5% in tier
- - Indirect Auto Dependency: Bottom 8.0% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 25.18% above tier (higher cost structure)
- - Delinquency rate 0.13% above tier average
- - Fee Income Per Member: Bottom 7.9% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 8 that size in Massachusetts.
- Shares and deposits +3.2% year over year ($505M in shares and deposits).
- Membership: 37,756 members, +4.8% vs a year ago.
- Delinquency rate 0.94%.
- Return on assets 0.28%.
- Efficiency ratio 101.74% vs a 76.56% peer average.
- Loan-to-share ratio 88.24% vs a 79.33% 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 |
37,756
+4.8% YoY+2.4% QoQ
|
-141 |
37,897
-5.0% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$583.0M
+10.6% YoY+6.5% QoQ
|
$-39.4M |
$622.4M
+0.6% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$446.0M
+14.1% YoY+6.7% QoQ
|
+$17.5M |
$428.5M
-0.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$505.4M
+3.2% YoY+0.1% QoQ
|
$-34.3M |
$539.8M
+0.9% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
0.3%
-148.8% YoY-231.3% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.5% in tier |
| NIM |
3.0%
-1.0% YoY-1.9% QoQ
|
-0.5% |
3.5%
+5.0% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio |
101.7%
-7.7% YoY+2.0% QoQ
|
+25.2% |
76.6%
-3.6% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
0.9%
-48.4% YoY-5.7% QoQ
|
+0.1 |
0.8%
+3.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
88.2%
+10.6% YoY+6.6% QoQ
|
+8.9% |
79.3%
-1.4% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$25,199
+3.1% YoY+0.7% QoQ
|
$-2K |
$27,294
+4.1% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
20.7%
-7.1% YoY-1.0% QoQ
|
-3.8% | 24.6% | 25.4% | 20.0% | 36% |
| Indirect Auto % |
19.8%
-10.0% YoY+42.4% QoQ
|
+6.2% | 13.6% | 2.4% | 7.7% | 71% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)