BlastPoint's Credit Union Scorecard

MASS. INSTITUTE OF TECH.

Charter #3830 · MA

Community 500M-750M
167 CUs in 500M-750M nationally 7 in MA
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MASS. INSTITUTE OF TECH. has 5 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 21.4% in tier
  • + Organic Growth Engine: Top 21.4% in tier
  • + Total Assets: Top 1.8% in tier
  • + Total Deposits: Top 3.0% in tier
  • + Share Certificate Concentration (%): Top 4.8% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 5.0% in tier
  • - Wealth Migration Risk: Bottom 12.7% in tier
  • - Credit Quality Pressure: Bottom 14.5% in tier
  • - Shrinking Wallet Share: Bottom 92.1% in tier
  • - ROA 0.55% below tier average
  • - Efficiency ratio 16.81% above tier (higher cost structure)
  • - Delinquency rate 0.34% above tier average
  • - First Mortgage Concentration (%): Bottom 1.8% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 35,226
+2.9% YoY+1.1% QoQ
 -2.9K 38,079
-4.8% YoY
 33,485
+24.8% YoY
 33,913
+5.7% YoY
 39%
Assets $743.0M
+3.0% YoY-0.1% QoQ
 +$123.3M $619.7M
-0.2% YoY
 $590.7M
+35.2% YoY
 $578.3M
+9.0% YoY
 Top 2.4% in tier
Loans $535.9M
-3.1% YoY+0.3% QoQ
 +$116.6M $419.3M
-1.4% YoY
 $447.1M
+33.6% YoY
 $402.4M
+8.7% YoY
 Top 14.4% in tier
Deposits $667.9M
+2.5% YoY-0.1% QoQ
 +$128.4M $539.5M
-0.1% YoY
 $496.3M
+36.0% YoY
 $494.3M
+9.1% YoY
 Top 3.6% 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 0.1%
-61.2% YoY-67.4% QoQ
 -0.5% 0.7%
+36.0% YoY
 0.7%
+27.7% YoY
 0.4%
-39.2% YoY
 Bottom 13.2% in tier
NIM 3.0%
+3.8% YoY+2.1% QoQ
 -0.5% 3.5%
+4.5% YoY
 3.3%
+3.6% YoY
 3.8%
+4.1% YoY
 18%
Efficiency Ratio 95.2%
+9.8% YoY+11.3% QoQ
 +16.8% 78.4%
-3.7% YoY
 80.2%
-4.6% YoY
 84.6%
+2.8% YoY
 Bottom 4.2% in tier
Delinquency Rate 1.0%
+50.3% YoY-5.7% QoQ
 +0.3 0.7%
-0.9% YoY
 0.7%
-9.8% YoY
 1.2%
+3.4% YoY
 79%
Loan To Share 80.2%
-5.4% YoY+0.4% QoQ
 +2.6% 77.7%
-1.2% YoY
 71.5%
-1.7% YoY
 65.6%
-1.4% YoY
 52%
AMR $34,175
-2.9% YoY-1.1% QoQ
 +$7K $26,927
+3.1% YoY
 $25,479
+3.4% YoY
 $19,920
+1.6% YoY
 Top 15.0% in tier
CD Concentration 14.6%
-10.3% YoY-2.7% QoQ
 -9.7% 24.3% 25.2% 19.8% 18%
Indirect Auto % 0.2%
-17.7% YoY-12.4% QoQ
 -13.6% 13.8% 2.3% 7.7% 32%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#159 of 371 • Top 21.4% in tier

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

Why This Signature
Member Growth (YoY): 2.92%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.17%
(Tier: 13.80%, National: 7.73%)
better than tier avg
518 nationally
→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth
#284 of 352 • Top 21.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.92%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.14%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 0.17%
(Tier: 13.80%, National: 7.73%)
better than tier avg
499 nationally
→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk
#104 of 596 • Bottom 5.0% in tier

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

Why This Signature
Efficiency Ratio: 95.20%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.22% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 2.92%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
702 nationally
↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk
#193 of 727 • Bottom 14.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.35% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
1013 nationally
↓ Shrinking -60 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#106 of 238 • Bottom 92.1% in tier

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

Why This Signature
AMR Growth (YoY): -2.91%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 284 Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | Rank improving

Wealth Migration Risk

decline
#14 of 20 • Bottom 12.7% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $34.2K
(Tier: $25.5K, National: $19.9K)
but better than tier avg
AMR Growth (YoY): -2.91%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
20 of 284 Community CUs have this signature | 28 nationally
→ No prior data (20 CUs now) | New qualifier

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)

Comparing against 167 peers in tier

Top Strengths (8 metrics)

4
Total Assets
balance_sheet
Value: $743.03M
Peer Median: $619.16M
#4 of 167 Top 1.8% in 500M-750M tier
6
Total Deposits
balance_sheet
Value: $667.92M
Peer Median: $543.36M
#6 of 167 Top 3.0% in 500M-750M tier
9
Share Certificate Concentration (%)
balance_sheet
Value: 14.60%
Peer Median: 26.29%
#9 of 167 Top 4.8% in 500M-750M tier
24
Total Loans
balance_sheet
Value: $535.93M
Peer Median: $427.27M
#24 of 167 Top 13.8% in 500M-750M tier
25
Average Member Relationship (AMR)
engagement
Value: $34,175
Peer Median: $25,600
#25 of 167 Top 14.4% in 500M-750M tier
26
Loan-to-Member Ratio (LMR)
engagement
Value: $15,214
Peer Median: $11,231
#26 of 167 Top 15.0% in 500M-750M tier
37
Member Growth Rate
growth
Value: 2.92%
Peer Median: 1.03%
#37 of 167 Top 21.6% in 500M-750M tier
37
Indirect Auto Concentration (%)
balance_sheet
Value: 0.17%
Peer Median: 10.91%
#37 of 167 Top 21.6% in 500M-750M tier

Top Weaknesses (8 metrics)

165
First Mortgage Concentration (%)
balance_sheet
Value: 69.94%
Peer Median: 32.87%
#165 of 167 Bottom 1.8% in 500M-750M tier
161
Efficiency Ratio
profitability
Value: 95.20%
Peer Median: 78.61%
#161 of 167 Bottom 4.2% in 500M-750M tier
160
Fee Income Per Member
profitability
Value: $83.86
Peer Median: $178.80
#160 of 167 Bottom 4.8% in 500M-750M tier
154
AMR Growth Rate
growth
Value: -2.91%
Peer Median: 4.03%
#154 of 167 Bottom 8.4% in 500M-750M tier
146
Loan Growth Rate
growth
Value: -3.09%
Peer Median: 4.25%
#146 of 167 Bottom 13.2% in 500M-750M tier
145
Return on Assets (ROA)
profitability
Value: 0.14%
Peer Median: 0.61%
#145 of 167 Bottom 13.8% in 500M-750M tier
137
Net Interest Margin (NIM)
profitability
Value: 2.98%
Peer Median: 3.48%
#137 of 167 Bottom 18.6% in 500M-750M tier
133
Total Delinquency Rate (60+ days)
risk
Value: 1.05%
Peer Median: 0.62%
#133 of 167 Bottom 21.0% in 500M-750M tier
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