BlastPoint's Credit Union Scorecard
I-C
Charter #24250 · MA
I-C has 1 strength but faces 13 concerns
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 22.8% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 2.8% in tier
- - Deposit Outflow: Bottom 7.5% in tier
- - Efficiency Drag: Bottom 9.4% in tier
- - Indirect Auto Dependency: Bottom 32.3% in tier
- - ROA 1.08% below tier average
- - Efficiency ratio 28.03% above tier (higher cost structure)
- - Delinquency rate 1.10% above tier average
- - Asset Growth Rate: Bottom 1.2% in tier
- - AMR Growth Rate: Bottom 4.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
- - Fee Income Per Member: Bottom 5.3% in tier
- - Loan Growth Rate: Bottom 5.9% in tier
- - Deposit Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,594
+1.5% YoY+1.5% QoQ
|
-3.2K |
39,752
-2.7% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
46% |
| Assets |
$529.7M
-12.3% YoY+0.5% QoQ
|
$-92.7M |
$622.4M
+0.3% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.2% in tier |
| Loans |
$397.7M
-9.5% YoY+1.7% QoQ
|
$-38.3M |
$435.9M
-0.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$491.0M
-4.5% YoY+0.2% QoQ
|
$-47.0M |
$538.0M
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
30% |
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| ROA |
-0.4%
-75.4% YoY-25.5% QoQ
|
-1.1% |
0.7%
+33.9% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.2% in tier |
| NIM |
3.1%
+14.7% YoY+2.8% QoQ
|
-0.3% |
3.4%
+8.6% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
106.1%
-4.9% YoY-3.7% QoQ
|
+28.0% |
78.1%
-3.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
1.9%
-37.5% YoY+4.4% QoQ
|
+1.1 |
0.8%
-4.9% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 4.7% in tier |
| Loan To Share |
81.0%
-5.3% YoY+1.5% QoQ
|
-0.0% |
81.0%
-1.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$24,285
-8.2% YoY-0.6% QoQ
|
$-2K |
$26,482
+2.6% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
23.2%
-6.0% YoY+4.1% QoQ
|
-1.2% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
46% |
| Indirect Auto % |
18.8%
-34.7% YoY-14.7% QoQ
|
+4.8% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
69% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)