BlastPoint's Credit Union Scorecard

WORKERS

Charter #24923 · MA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 10 in MA

View Mid-Market leaderboard →

WORKERS has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 17.2% in tier
+ Loan-to-Share Ratio: Top 5.3% in tier
+ Total Loans: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.1% in tier
- Liquidity Strain: Bottom 6.9% in tier
- Membership Headwinds: Bottom 88.7% in tier
- Stagnation Risk: Bottom 88.7% in tier
- ROA 0.61% below tier average
- Efficiency ratio 28.47% above tier (higher cost structure)
- Member decline: -2.5% YoY
- Net Interest Margin (NIM): Bottom 2.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Massachusetts.
Shares and deposits +1.6% year over year ($1.87B in shares and deposits).
Membership: 119,940 members, -2.5% vs a year ago.
Delinquency rate 0.81%.
Return on assets 0.21%.
Efficiency ratio 101.49% vs a 73.02% peer average.
Loan-to-share ratio 104.49% vs a 84.71% 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	119,940 -2.5% YoY+0.2% QoQ	+23.1K	96,861 -1.9% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	73%
Assets	$2.5B +2.2% YoY-0.7% QoQ	+$765.2M	$1.7B +0.4% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	84%
Loans	$2.0B +8.7% YoY-1.7% QoQ	+$716.5M	$1.2B +0.7% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	Top 9.7% in tier
Deposits	$1.9B +1.6% YoY+0.1% QoQ	+$403.5M	$1.5B +0.5% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	77%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -149.4% YoY-221.7% QoQ	-0.6%	0.8% +27.6% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	Bottom 6.3% in tier
NIM	2.0% +7.9% YoY-0.4% QoQ	-1.4%	3.4% +6.6% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	Bottom 1.7% in tier
Efficiency Ratio	101.5% +3.6% YoY-0.5% QoQ	+28.5%	73.0% -2.7% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	Bottom 0.7% in tier
Delinquency Rate	0.8% -44.3% YoY-21.9% QoQ	-0.1	0.9% +7.3% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	60%
Loan To Share	104.5% +7.0% YoY-1.7% QoQ	+19.8%	84.7% +0.1% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	Top 5.7% in tier
AMR	$31,829 +7.7% YoY-1.1% QoQ	+$2K	$29,575 +1.5% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	71%
CD Concentration	26.5% -15.6% YoY-2.0% QoQ	-2.6%	29.1%	25.4%	20.0%	40%
Indirect Auto %	6.4% -40.0% YoY-8.7% QoQ	-11.7%	18.1%	2.4%	7.7%	28%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#64 of 125 • Top 17.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.74%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank worsening

Concerns (4)

Liquidity Strain

risk

#21 of 168 • Bottom 6.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 104.49%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 8.68%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk

#21 of 71 • Bottom 1.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 101.49%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.62% points

(Tier: 0.18% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -2.47%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank worsening

Membership Headwinds

decline

#43 of 86 • Bottom 88.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.47%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Stagnation Risk

risk

#52 of 86 • Bottom 88.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.47%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 8.68%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.81%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (7 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 104.49%

Peer Median: 87.07%

#17 of 300 Top 5.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.95B

Peer Median: $1.14B

#29 of 300 Top 9.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.49B

Peer Median: $1.51B

#47 of 300 Top 15.3% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,264

Peer Median: $12,809

#53 of 300 Top 17.3% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.74%

Peer Median: 3.19%

#55 of 300 Top 18.0% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.87B

Peer Median: $1.30B

#70 of 300 Top 23.0% in 1B-3B tier

Fee Income Per Member

profitability

Value: $254.65

Peer Median: $204.73

#75 of 300 Top 24.7% in 1B-3B tier

Top Weaknesses (6 metrics)

299

Efficiency Ratio

profitability

Value: 101.49%

Peer Median: 73.62%

#299 of 300 Bottom 0.7% in 1B-3B tier

295

Net Interest Margin (NIM)

profitability

Value: 2.00%

Peer Median: 3.46%

#295 of 300 Bottom 2.0% in 1B-3B tier

286

First Mortgage Concentration (%)

balance_sheet

Value: 61.29%

Peer Median: 33.59%

#286 of 300 Bottom 5.0% in 1B-3B tier

281

Return on Assets (ROA)

profitability

Value: 0.21%

Peer Median: 0.77%

#281 of 300 Bottom 6.7% in 1B-3B tier

263

Member Growth Rate

growth

Value: -2.47%

Peer Median: 1.84%

#263 of 300 Bottom 12.7% in 1B-3B tier

237

Deposit Growth Rate

growth

Value: 1.57%

Peer Median: 4.79%

#237 of 300 Bottom 21.3% in 1B-3B tier