BlastPoint's Credit Union Scorecard

WORCESTER

Charter #64144 · MA

1069 CUs in 100M-500M nationally 32 in MA

WORCESTER has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 1.6% in tier
+ ROA 0.20% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ AMR Growth Rate: Top 0.6% in tier
+ Loan Growth Rate: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 1.6% in tier
- Stagnation Risk: Bottom 45.8% in tier
- Efficiency ratio 0.27% above tier (higher cost structure)
- Member decline: -17.3% YoY
- Member Growth Rate: Bottom 0.8% in tier
- Total Assets: Bottom 3.2% in tier
- Total Deposits: Bottom 5.2% in tier
- Total Members: Bottom 7.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	6,392 -17.3% YoY-0.5% QoQ	-9.0K	15,437 -2.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	Bottom 7.4% in tier
Assets	$105.0M +7.9% YoY+3.1% QoQ	$-126.9M	$231.9M +1.3% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	Bottom 3.1% in tier
Loans	$67.5M +14.2% YoY+1.6% QoQ	$-79.8M	$147.3M -0.1% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	Bottom 14.1% in tier
Deposits	$93.0M +6.5% YoY+2.2% QoQ	$-107.8M	$200.8M +0.8% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	Bottom 5.1% 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	1.0% +54.3% YoY-14.3% QoQ	+0.2%	0.8% +18.2% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	65%
NIM	3.5% -1.9% YoY-0.3% QoQ	-0.1%	3.6% +6.7% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	46%
Efficiency Ratio	77.3% -6.2% YoY+4.0% QoQ	+0.3%	77.0% -3.1% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	50%
Delinquency Rate	0.7% -44.5% YoY-9.4% QoQ	-0.2	0.9% +4.2% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	48%
Loan To Share	72.6% +7.2% YoY-0.6% QoQ	+0.4%	72.2% -1.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	48%
AMR	$25,111 +32.6% YoY+2.4% QoQ	+$435	$24,676 +3.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	63%
CD Concentration	21.3% +9.1% YoY+0.7% QoQ	-3.1%	24.4%	25.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#9 of 513 • Top 1.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 32.59%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (2)

Membership Headwinds

decline

#10 of 554 • Bottom 1.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -17.33%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#254 of 554 • Bottom 45.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -17.33%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 14.18%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.69%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 32.59%

Peer Median: -

#7 of 1069 Top 0.6% in 100M-500M tier

Loan Growth Rate

growth

Value: 14.18%

Peer Median: -

#93 of 1069 Top 8.6% in 100M-500M tier

158

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: -

#158 of 1069 Top 14.7% in 100M-500M tier

161

Members Per Employee (MPE)

engagement

Value: 426.133

Peer Median: -

#161 of 1069 Top 15.0% in 100M-500M tier

256

Asset Growth Rate

growth

Value: 7.93%

Peer Median: -

#256 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1061

Member Growth Rate

growth

Value: -17.33%

Peer Median: -

#1061 of 1069 Bottom 0.8% in 100M-500M tier

1036

Total Assets

balance_sheet

Value: $104.96M

Peer Median: -

#1036 of 1069 Bottom 3.2% in 100M-500M tier

1014

Total Deposits

balance_sheet

Value: $92.98M

Peer Median: -

#1014 of 1069 Bottom 5.2% in 100M-500M tier

990

Total Members

engagement

Value: 6,392

Peer Median: -

#990 of 1069 Bottom 7.5% in 100M-500M tier

918

Total Loans

balance_sheet

Value: $67.52M

Peer Median: -

#918 of 1069 Bottom 14.2% in 100M-500M tier

821

First Mortgage Concentration (%)

balance_sheet

Value: 42.96%

Peer Median: -

#821 of 1069 Bottom 23.3% in 100M-500M tier