BlastPoint's Credit Union Scorecard

MASS. INSTITUTE OF TECH.

Charter #3830 · MA

Community 500M-750M

165 CUs in 500M-750M nationally 8 in MA

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MASS. INSTITUTE OF TECH. has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 16.4% in tier
+ Organic Growth Engine: Top 16.4% in tier
+ Total Deposits: Top 4.8% in tier
+ Share Certificate Concentration (%): Top 4.8% in tier
+ Total Assets: Top 7.9% in tier
+ Total Loans: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 6.3% in tier
- Credit Quality Pressure: Bottom 15.5% in tier
- Credit Risk Growth: Bottom 60.0% in tier
- Shrinking Wallet Share: Bottom 88.1% in tier
- ROA 0.61% below tier average
- Efficiency ratio 15.96% above tier (higher cost structure)
- Delinquency rate 0.28% above tier average
- First Mortgage Concentration (%): Bottom 1.8% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 8 that size in Massachusetts.
Shares and deposits +2.2% year over year ($649M in shares and deposits).
Membership: 35,749 members, +3.6% vs a year ago.
Delinquency rate 1.09%.
Return on assets 0.20%.
Efficiency ratio 92.52% vs a 76.56% peer average.
Loan-to-share ratio 84.92% vs a 79.33% 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	35,749 +3.6% YoY+1.5% QoQ	-2.1K	37,897 -5.0% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	43%
Assets	$730.8M +3.2% YoY-1.6% QoQ	+$108.4M	$622.4M +0.6% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	Top 8.5% in tier
Loans	$551.5M +1.6% YoY+2.9% QoQ	+$123.0M	$428.5M -0.7% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	Top 10.3% in tier
Deposits	$649.4M +2.2% YoY-2.8% QoQ	+$109.6M	$539.8M +0.9% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	Top 5.5% in tier

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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% -52.7% YoY+48.1% QoQ	-0.6%	0.8% +39.5% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	Bottom 8.5% in tier
NIM	3.1% +4.1% YoY+2.8% QoQ	-0.5%	3.5% +5.0% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	20%
Efficiency Ratio	92.5% +8.0% YoY-2.8% QoQ	+16.0%	76.6% -3.6% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	Bottom 4.2% in tier
Delinquency Rate	1.1% +50.4% YoY+4.5% QoQ	+0.3	0.8% +3.1% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	78%
Loan To Share	84.9% -0.6% YoY+5.8% QoQ	+5.6%	79.3% -1.4% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	58%
AMR	$33,591 -1.6% YoY-1.7% QoQ	+$6K	$27,294 +4.1% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	82%
CD Concentration	14.4% -5.4% YoY-1.2% QoQ	-10.1%	24.6%	25.4%	20.0%	16%
Indirect Auto %	0.1% -27.5% YoY-15.3% QoQ	-13.5%	13.6%	2.4%	7.7%	32%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#114 of 342 • Top 16.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.62%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.14%

(Tier: 13.63%, National: 7.71%)

better than tier avg

485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#254 of 344 • Top 16.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.62%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.20%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.14%

(Tier: 13.63%, National: 7.71%)

better than tier avg

490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (4)

Credit Quality Pressure

risk

#200 of 693 • Bottom 15.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.37% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Efficiency Drag

risk

#161 of 531 • Bottom 6.3% in tier

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

Why This Signature

Efficiency Ratio: 92.52%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 3.62%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#309 of 472 • Bottom 60.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.64%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.37% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

688 nationally

↑ Growing +32 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#154 of 223 • Bottom 88.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.62%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 276 Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank worsening

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 165 peers in tier

Top Strengths (9 metrics)

Total Deposits

balance_sheet

Value: $649.40M

Peer Median: $542.48M

#9 of 165 Top 4.8% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 14.43%

Peer Median: 26.69%

#9 of 165 Top 4.8% in 500M-750M tier

Total Assets

balance_sheet

Value: $730.79M

Peer Median: $621.76M

#14 of 165 Top 7.9% in 500M-750M tier

Total Loans

balance_sheet

Value: $551.46M

Peer Median: $428.72M

#17 of 165 Top 9.7% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,426

Peer Median: $11,477

#28 of 165 Top 16.4% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $33,591

Peer Median: $25,725

#29 of 165 Top 17.0% in 500M-750M tier

Member Growth Rate

growth

Value: 3.62%

Peer Median: 0.59%

#33 of 165 Top 19.4% in 500M-750M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.14%

Peer Median: 9.93%

#36 of 165 Top 21.2% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 372.385

Peer Median: 313.721

#40 of 165 Top 23.6% in 500M-750M tier

Top Weaknesses (7 metrics)

163

First Mortgage Concentration (%)

balance_sheet

Value: 70.53%

Peer Median: 34.05%

#163 of 165 Bottom 1.8% in 500M-750M tier

159

Efficiency Ratio

profitability

Value: 92.52%

Peer Median: 77.45%

#159 of 165 Bottom 4.2% in 500M-750M tier

151

Return on Assets (ROA)

profitability

Value: 0.20%

Peer Median: 0.74%

#151 of 165 Bottom 9.1% in 500M-750M tier

150

Fee Income Per Member

profitability

Value: $109.94

Peer Median: $191.53

#150 of 165 Bottom 9.7% in 500M-750M tier

144

AMR Growth Rate

growth

Value: -1.62%

Peer Median: 3.83%

#144 of 165 Bottom 13.3% in 500M-750M tier

132

Net Interest Margin (NIM)

profitability

Value: 3.07%

Peer Median: 3.55%

#132 of 165 Bottom 20.6% in 500M-750M tier

130

Total Delinquency Rate (60+ days)

risk

Value: 1.09%

Peer Median: 0.70%

#130 of 165 Bottom 21.8% in 500M-750M tier