BlastPoint's Credit Union Scorecard
WORKERS
Charter #24923 · MA
WORKERS has 5 strengths but faces 10 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
- + Wallet Share Momentum: Top 24.6% in tier
- + Loan-to-Share Ratio: Top 4.3% in tier
- + Loan Growth Rate: Top 7.9% in tier
- + AMR Growth Rate: Top 8.3% in tier
- + Total Loans: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.4% in tier
- - Membership Headwinds: Bottom 44.0% in tier
- - Efficiency Drag: Bottom 48.3% in tier
- - Stagnation Risk: Bottom 66.7% in tier
- - ROA 1.04% below tier average
- - Efficiency ratio 26.16% above tier (higher cost structure)
- - Delinquency rate 0.32% above tier average
- - Member decline: -2.9% YoY
- - Net Interest Margin (NIM): Bottom 2.3% in tier
- - First Mortgage Concentration (%): Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
119,582
-2.9% YoY-2.7% QoQ
|
+22.2K |
97,431
-2.4% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$2.5B
+0.8% YoY+1.1% QoQ
|
+$764.0M |
$1.7B
+0.9% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
85% |
| Loans |
$1.9B
+15.2% YoY+3.5% QoQ
|
+$712.0M |
$1.2B
+0.5% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Top 9.6% in tier |
| Deposits |
$1.8B
-0.7% YoY-0.1% QoQ
|
+$385.2M |
$1.5B
+0.9% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
-0.4%
-88.4% YoY+84.1% QoQ
|
-1.0% |
0.7%
+20.9% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.7% in tier |
| NIM |
1.9%
+30.7% YoY+0.6% QoQ
|
-1.4% |
3.3%
+9.2% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
100.2%
-88.1% YoY+7.1% QoQ
|
+26.2% |
74.1%
-9.5% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 1.3% in tier |
| Delinquency Rate |
1.2%
-33.8% YoY-4.5% QoQ
|
+0.3 |
0.9%
+6.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
105.5%
+16.0% YoY+3.5% QoQ
|
+20.7% |
84.8%
-0.8% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 4.6% in tier |
| AMR |
$31,701
+10.1% YoY+4.5% QoQ
|
+$2K |
$29,428
+2.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
27.8%
-12.8% YoY-9.4% QoQ
|
-1.2% | 29.0% | 25.0% | 19.8% | 46% |
| Indirect Auto % |
7.9%
-41.1% YoY-13.7% QoQ
|
-10.4% | 18.3% | 2.4% | 7.8% | 31% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)