BlastPoint's Credit Union Scorecard
WORKERS
Charter #24923 · MA
WORKERS faces 11 concerns requiring attention
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Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.4% in tier
- - Efficiency Drag: Bottom 6.1% in tier
- - Membership Headwinds: Bottom 33.5% in tier
- - Stagnation Risk: Bottom 35.2% in tier
- - Deposit Outflow: Bottom 87.0% in tier
- - ROA 0.90% below tier average
- - Efficiency ratio 19.60% above tier (higher cost structure)
- - Delinquency rate 0.45% above tier average
- - Net Interest Margin (NIM): Bottom 2.3% in tier
- - Asset Growth Rate: Bottom 6.2% in tier
- - First Mortgage Concentration (%): Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
122,885
-0.5% YoY-0.1% QoQ
|
+24.2K |
98,678
-1.9% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$2.5B
-4.1% YoY+1.0% QoQ
|
+$741.2M |
$1.7B
+0.5% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$1.9B
+10.1% YoY+4.8% QoQ
|
+$648.2M |
$1.2B
+0.5% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Top 11.8% in tier |
| Deposits |
$1.8B
-1.1% YoY+0.4% QoQ
|
+$391.3M |
$1.5B
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
74% |
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| ROA |
-0.2%
-77.1% YoY-53.3% QoQ
|
-0.9% |
0.7%
+13.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.6% in tier |
| NIM |
1.9%
+24.1% YoY+3.1% QoQ
|
-1.4% |
3.3%
+9.3% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
93.6%
-20.6% YoY-4.5% QoQ
|
+19.6% |
74.0%
-10.9% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 1.6% in tier |
| Delinquency Rate |
1.3%
-31.1% YoY-12.6% QoQ
|
+0.4 |
0.8%
+6.1% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
101.9%
+11.3% YoY+4.4% QoQ
|
+16.7% |
85.2%
-0.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 10.9% in tier |
| AMR |
$30,328
+4.8% YoY+2.7% QoQ
|
+$1K |
$29,172
+2.8% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
65% |
| CD Concentration |
30.7%
-3.3% YoY-2.1% QoQ
|
+1.7% |
29.0%
+0.7% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
61% |
| Indirect Auto % |
9.2%
-34.6% YoY-13.1% QoQ
|
-9.6% |
18.8%
-3.0% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
34% |
Signature Analysis
Strengths (0)
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)