BlastPoint's Credit Union Scorecard
600 ATLANTIC
Charter #5256 · MA
600 ATLANTIC has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.6% in tier
- + Loan-to-Member Ratio (LMR): Top 2.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Share Certificate Concentration (%): Bottom 5.2% in tier
- - First Mortgage Concentration (%): Bottom 5.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,459
-0.7% YoY-0.3% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$38.9M
-4.0% YoY-4.0% QoQ
|
+$8.7M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$20.5M
-4.6% YoY-0.9% QoQ
|
+$4.7M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$33.6M
-5.2% YoY-4.6% QoQ
|
+$7.9M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
0.6%
-11.9% YoY-15.4% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
2.8%
+2.0% YoY+2.4% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio |
78.9%
+3.1% YoY+5.1% QoQ
|
-3.6% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.9%
-1.4% YoY-41.7% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
60.8%
+0.6% YoY+3.9% QoQ
|
+0.2% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$37,059
-4.2% YoY-2.9% QoQ
|
+$22K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 1.6% in tier |
| CD Concentration |
45.3%
-3.7% YoY-5.0% QoQ
|
+20.9% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)