BlastPoint's Credit Union Scorecard

600 ATLANTIC

Charter #5256 ยท MA

2596 CUs in <100M nationally 68 in 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 1.3% in tier
  • + Loan-to-Member Ratio (LMR): Top 2.7% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.02% below tier average
  • - Share Certificate Concentration (%): Bottom 4.4% in tier
  • - First Mortgage Concentration (%): Bottom 6.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 1,464
-0.5% YoY-0.4% QoQ
-1.2K 2,625
-2.2% YoY
27,447
+2.6% YoY
33,089
+6.1% YoY
40%
Assets $40.5M
-0.1% YoY-0.5% QoQ
+$10.6M $29.9M
+1.1% YoY
$440.2M
+4.2% YoY
$547.7M
+7.8% YoY
70%
Loans $20.6M
-1.9% YoY-1.4% QoQ
+$4.9M $15.8M
-2.4% YoY
$341.2M
+2.4% YoY
$388.7M
+8.6% YoY
71%
Deposits $35.3M
-0.8% YoY-0.8% QoQ
+$9.8M $25.5M
+0.4% YoY
$366.8M
+5.5% YoY
$464.6M
+9.3% YoY
71%

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Tier 1
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ROA 0.7%
-10.4% YoY-0.6% QoQ
-0.0% 0.7%
-731.4% YoY
0.7%
+17.3% YoY
0.7%
+273.4% YoY
45%
NIM 2.7%
-0.5% YoY+0.5% QoQ
-1.2% 3.9%
+3.8% YoY
3.3%
+3.8% YoY
3.7%
+5.0% YoY
Bottom 10.9% in tier
Efficiency Ratio 75.1%
+3.2% YoY+0.5% QoQ
-6.3% 81.4%
-2.4% YoY
80.4%
-4.7% YoY
79.1%
-3.3% YoY
42%
Delinquency Rate 1.5%
+76.6% YoY+1.5% QoQ
-0.0 1.5%
-2.0% YoY
0.9%
-6.0% YoY
1.2%
-0.9% YoY
72%
Loan To Share 58.6%
-1.1% YoY-0.6% QoQ
-2.7% 61.2%
-3.0% YoY
74.2%
-1.7% YoY
68.0%
-1.7% YoY
46%
AMR $38,182
-0.8% YoY-0.6% QoQ
+$24K $14,627
-2.7% YoY
$24,707
+3.7% YoY
$19,418
+1.3% YoY
Top 1.3% in tier
CD Concentration 47.7%
+2.4% YoY-0.2% QoQ
+23.3% 24.4%
+4.2% YoY
24.8%
+8.8% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
2.6%
-15.5% YoY
7.9%
-2.9% YoY
50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
34
Average Member Relationship (AMR)
engagement
Value: $38,182
Peer Avg: -
#34 of 2596 Top 1.3% in <100M tier
71
Loan-to-Member Ratio (LMR)
engagement
Value: $14,101
Peer Avg: -
#71 of 2596 Top 2.7% in <100M tier

Top Weaknesses (3 metrics)

2483
Share Certificate Concentration (%)
balance_sheet
Value: 47.67%
Peer Avg: -
#2483 of 2596 Bottom 4.4% in <100M tier
2442
First Mortgage Concentration (%)
balance_sheet
Value: 54.01%
Peer Avg: -
#2442 of 2596 Bottom 6.0% in <100M tier
2314
Net Interest Margin (NIM)
profitability
Value: 2.71%
Peer Avg: -
#2314 of 2596 Bottom 10.9% in <100M tier
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