BlastPoint's Credit Union Scorecard
MASS. INSTITUTE OF TECH.
Charter #3830 · MA
MASS. INSTITUTE OF TECH. has 5 strengths but faces 8 concerns
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.1% in tier
- + Organic Growth Engine: Top 74.1% in tier
- + Total Assets: Top 0.6% in tier
- + Total Deposits: Top 0.6% in tier
- + Share Certificate Concentration (%): Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 34.1% in tier
- - Efficiency Drag: Bottom 64.1% in tier
- - Shrinking Wallet Share: Bottom 71.0% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 7.99% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
- - First Mortgage Concentration (%): Bottom 1.8% in tier
- - Loan Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,833
+2.5% YoY+0.0% QoQ
|
-3.7K |
38,575
-4.8% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$743.5M
+3.0% YoY+2.0% QoQ
|
+$121.7M |
$621.7M
+0.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Top 1.2% in tier |
| Loans |
$534.3M
-5.1% YoY-0.1% QoQ
|
+$104.5M |
$429.8M
-1.8% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$668.8M
+6.2% YoY+2.6% QoQ
|
+$130.1M |
$538.7M
+0.6% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 1.2% in tier |
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| ROA |
0.4%
-47.7% YoY-10.9% QoQ
|
-0.2% |
0.7%
+42.9% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
2.9%
+0.2% YoY-1.5% QoQ
|
-0.5% |
3.4%
+8.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
85.5%
+15.3% YoY+1.2% QoQ
|
+8.0% |
77.5%
-4.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
1.1%
+38.4% YoY+11.1% QoQ
|
+0.3 |
0.8%
-1.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
79.9%
-10.6% YoY-2.6% QoQ
|
+0.1% |
79.8%
-2.3% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$34,539
-1.6% YoY+1.3% QoQ
|
+$8K |
$26,849
+2.7% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 13.9% in tier |
| CD Concentration |
15.0%
-19.0% YoY+0.7% QoQ
|
-9.4% | 24.4% | 25.0% | 19.8% | 19% |
| Indirect Auto % |
0.2%
-14.9% YoY-5.8% QoQ
|
-13.6% | 13.8% | 2.4% | 7.8% | 32% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)