BlastPoint's Credit Union Scorecard

WORKERS

Charter #24923 · MA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

WORKERS has 5 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 6.1% in tier
+ Loan-to-Share Ratio: Top 2.3% in tier
+ AMR Growth Rate: Top 5.6% in tier
+ Loan Growth Rate: Top 6.2% in tier
+ Total Loans: Top 7.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.0% in tier
- Liquidity Strain: Bottom 3.7% in tier
- Membership Headwinds: Bottom 88.7% in tier
- Stagnation Risk: Bottom 88.7% in tier
- ROA 0.89% below tier average
- Efficiency ratio 27.34% above tier (higher cost structure)
- Delinquency rate 0.28% above tier average
- Member decline: -2.9% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	119,644 -2.9% YoY+0.1% QoQ	+23.6K	96,048 -2.7% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	74%
Assets	$2.5B +2.6% YoY+0.8% QoQ	+$788.1M	$1.7B +0.4% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	Top 15.0% in tier
Loans	$2.0B +16.1% YoY+1.9% QoQ	+$769.7M	$1.2B +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	Top 7.8% in tier
Deposits	$1.9B +1.0% YoY+1.1% QoQ	+$400.0M	$1.5B +0.5% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	76%

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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% -66.8% YoY-52.9% QoQ	-0.9%	0.7% +27.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	Bottom 2.3% in tier
NIM	2.0% +13.2% YoY+4.4% QoQ	-1.3%	3.4% +6.2% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 2.0% in tier
Efficiency Ratio	102.0% -1.1% YoY+1.8% QoQ	+27.3%	74.6% -3.0% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 0.7% in tier
Delinquency Rate	1.0% -35.4% YoY-14.5% QoQ	+0.3	0.8% +6.9% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	80%
Loan To Share	106.3% +14.9% YoY+0.8% QoQ	+23.1%	83.2% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	Top 2.6% in tier
AMR	$32,170 +11.5% YoY+1.5% QoQ	+$3K	$29,652 +2.3% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	70%
CD Concentration	27.0% -14.3% YoY-2.8% QoQ	-1.8%	28.8%	25.2%	19.8%	43%
Indirect Auto %	7.0% -42.8% YoY-12.3% QoQ	-11.1%	18.1%	2.3%	7.7%	30%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#23 of 125 • Top 6.1% in tier

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

Why This Signature

AMR Growth (YoY): 11.52%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#2 of 148 • Bottom 3.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 106.32%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 16.06%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Efficiency Drag

risk

#29 of 100 • Bottom 1.0% in tier

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

Why This Signature

Efficiency Ratio: 101.98%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.34% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -2.92%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Membership Headwinds

decline

#44 of 91 • 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): -2.92%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#62 of 91 • 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): -2.92%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 16.06%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Rate: 1.04%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | 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 306 peers in tier

Top Strengths (8 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 106.32%

Peer Median: 85.31%

#8 of 306 Top 2.3% in 1B-3B tier

AMR Growth Rate

growth

Value: 11.52%

Peer Median: 3.15%

#18 of 306 Top 5.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 16.06%

Peer Median: 5.67%

#20 of 306 Top 6.2% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.98B

Peer Median: $1.11B

#24 of 306 Top 7.5% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.51B

Peer Median: $1.51B

#46 of 306 Top 14.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,578

Peer Median: $12,733

#48 of 306 Top 15.4% in 1B-3B tier

Fee Income Per Member

profitability

Value: $246.70

Peer Median: $191.54

#72 of 306 Top 23.2% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.87B

Peer Median: $1.31B

#72 of 306 Top 23.2% in 1B-3B tier

Top Weaknesses (7 metrics)

305

Efficiency Ratio

profitability

Value: 101.98%

Peer Median: 75.16%

#305 of 306 Bottom 0.7% in 1B-3B tier

300

Net Interest Margin (NIM)

profitability

Value: 2.00%

Peer Median: 3.37%

#300 of 306 Bottom 2.3% in 1B-3B tier

299

Return on Assets (ROA)

profitability

Value: -0.17%

Peer Median: 0.66%

#299 of 306 Bottom 2.6% in 1B-3B tier

291

First Mortgage Concentration (%)

balance_sheet

Value: 60.66%

Peer Median: 33.05%

#291 of 306 Bottom 5.2% in 1B-3B tier

270

Member Growth Rate

growth

Value: -2.92%

Peer Median: 2.03%

#270 of 306 Bottom 12.1% in 1B-3B tier

248

Deposit Growth Rate

growth

Value: 1.04%

Peer Median: 4.44%

#248 of 306 Bottom 19.3% in 1B-3B tier

247

Total Delinquency Rate (60+ days)

risk

Value: 1.04%

Peer Median: 0.63%

#247 of 306 Bottom 19.6% in 1B-3B tier