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 Engine: Top 31.0% in tier
- + Organic Growth Leader: Top 31.3% in tier
- + Total Deposits: Top 3.6% in tier
- + Share Certificate Concentration (%): Top 5.3% in tier
- + Total Assets: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 17.5% in tier
- - Credit Quality Pressure: Bottom 19.0% in tier
- - Shrinking Wallet Share: Bottom 21.3% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 6.38% above tier (higher cost structure)
- - Delinquency rate 0.20% above tier average
- - First Mortgage Concentration (%): Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,821
+0.6% YoY+0.9% QoQ
|
-4.9K |
39,752
-2.7% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$729.0M
+3.3% YoY+2.9% QoQ
|
+$106.6M |
$622.4M
+0.3% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Top 8.9% in tier |
| Loans |
$534.9M
-6.3% YoY-1.4% QoQ
|
+$99.0M |
$435.9M
-0.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
82% |
| Deposits |
$651.9M
+5.2% YoY+2.6% QoQ
|
+$113.9M |
$538.0M
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Top 4.1% in tier |
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| ROA |
0.5%
-51.6% YoY+9.8% QoQ
|
-0.2% |
0.7%
+33.9% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
3.0%
+0.1% YoY+0.6% QoQ
|
-0.5% |
3.4%
+8.6% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
84.5%
+16.2% YoY-1.4% QoQ
|
+6.4% |
78.1%
-3.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.0%
+12.5% YoY+37.3% QoQ
|
+0.2 |
0.8%
-4.9% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
75% |
| Loan To Share |
82.1%
-10.9% YoY-3.9% QoQ
|
+1.0% |
81.0%
-1.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$34,086
-0.9% YoY-0.2% QoQ
|
+$8K |
$26,482
+2.6% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 13.6% in tier |
| CD Concentration |
14.9%
-19.4% YoY-2.3% QoQ
|
-9.5% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
19% |
| Indirect Auto % |
0.2%
-17.1% YoY+3.6% QoQ
|
-13.8% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
33% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)