BlastPoint's Credit Union Scorecard
600 ATLANTIC
Charter #5256 · MA
600 ATLANTIC has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Average Member Relationship (AMR): Top 1.4% in tier
- + Loan-to-Member Ratio (LMR): Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 5.1% in tier
- - First Mortgage Concentration (%): Bottom 6.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,452
-1.4% YoY-0.5% QoQ
|
-1.2K |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$39.3M
-3.8% YoY+1.1% QoQ
|
+$9.1M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$20.0M
-4.3% YoY-2.5% QoQ
|
+$4.7M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$34.0M
-4.9% YoY+1.1% QoQ
|
+$8.2M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
0.5%
-16.6% YoY-5.5% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
2.7%
-0.3% YoY-3.7% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio |
79.3%
+5.5% YoY+0.4% QoQ
|
-11.4% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
0.9%
+4.5% YoY+2.5% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
58.7%
+0.6% YoY-3.5% QoQ
|
+0.2% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$37,144
-3.3% YoY+0.2% QoQ
|
+$22K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Top 1.5% in tier |
| CD Concentration |
46.0%
-3.0% YoY+1.5% QoQ
|
+21.7% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 7.7% | 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)