BlastPoint's Credit Union Scorecard

NOTRE DAME COMMUNITY

Charter #2792 · MA

<100M

2508 CUs in <100M nationally 66 in MA

NOTRE DAME COMMUNITY has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.14% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.29% above tier average
- Member decline: -6.9% YoY
- First Mortgage Concentration (%): Bottom 1.0% in tier
- Net Interest Margin (NIM): Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	3,110 -6.9% YoY-0.8% QoQ	+433	2,676 +1.6% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	69%
Assets	$57.4M -1.7% YoY+3.4% QoQ	+$27.2M	$30.2M +1.3% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	81%
Loans	$19.7M -0.3% YoY-0.4% QoQ	+$4.4M	$15.3M -2.0% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	70%
Deposits	$50.2M -2.4% YoY+3.8% QoQ	+$24.4M	$25.8M +0.7% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	82%

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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	0.3% +120.1% YoY-33.8% QoQ	+0.1%	0.1% -77.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	34%
NIM	2.6% +14.7% YoY-2.3% QoQ	-1.4%	4.0% +4.0% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 9.3% in tier
Efficiency Ratio	90.0% -5.1% YoY+5.0% QoQ	-0.6%	90.6% +6.5% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	69%
Delinquency Rate	1.8% +415.7% YoY-8.7% QoQ	+0.3	1.5% +3.8% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	79%
Loan To Share	39.3% +2.1% YoY-4.1% QoQ	-19.2%	58.5% -3.0% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	21%
AMR	$22,467 +5.5% YoY+3.3% QoQ	+$8K	$14,884 -1.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 14.0% in tier
CD Concentration	24.2% +11.6% YoY+6.2% QoQ	-0.1%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

352

Average Member Relationship (AMR)

engagement

Value: $22,467

Peer Median: $13,926

#352 of 2508 Top 14.0% in <100M tier

447

Total Deposits

balance_sheet

Value: $50.17M

Peer Median: $18.77M

#447 of 2508 Top 17.8% in <100M tier

466

Total Assets

balance_sheet

Value: $57.41M

Peer Median: $21.86M

#466 of 2508 Top 18.5% in <100M tier

498

Net Charge-Off Rate

risk

Value: -0.00%

Peer Median: 0.07%

#498 of 2508 Top 19.8% in <100M tier

583

AMR Growth Rate

growth

Value: 5.53%

Peer Median: 1.27%

#583 of 2508 Top 23.2% in <100M tier

Top Weaknesses (5 metrics)

2484

First Mortgage Concentration (%)

balance_sheet

Value: 83.55%

Peer Median: 3.66%

#2484 of 2508 Bottom 1.0% in <100M tier

2275

Net Interest Margin (NIM)

profitability

Value: 2.60%

Peer Median: 3.83%

#2275 of 2508 Bottom 9.3% in <100M tier

2240

Member Growth Rate

growth

Value: -6.94%

Peer Median: -1.37%

#2240 of 2508 Bottom 10.7% in <100M tier

1980

Loan-to-Share Ratio

balance_sheet

Value: 39.27%

Peer Median: 58.72%

#1980 of 2508 Bottom 21.1% in <100M tier

1972

Total Delinquency Rate (60+ days)

risk

Value: 1.79%

Peer Median: 0.65%

#1972 of 2508 Bottom 21.4% in <100M tier