BlastPoint's Credit Union Scorecard

WORCESTER

Charter #64144 · MA

1077 CUs in 100M-500M nationally 32 in MA

WORCESTER has 5 strengths but faces 7 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 1.9% in tier
+ Profitability Leader: Top 100.0% in tier
+ ROA 0.33% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ AMR Growth Rate: Top 0.6% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 0.4% in tier
- Membership Headwinds: Bottom 0.4% in tier
- Member decline: -17.6% YoY
- Total Assets: Bottom 0.8% in tier
- Member Growth Rate: Bottom 1.0% in tier
- Total Deposits: Bottom 3.7% in tier
- Total Members: Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	6,423 -17.6% YoY+0.5% QoQ	-9.2K	15,628 -3.4% YoY	27,447 +2.6% YoY	33,089 +6.1% YoY	Bottom 7.0% in tier
Assets	$101.8M +2.2% YoY-0.6% QoQ	$-129.5M	$231.3M -0.0% YoY	$440.2M +4.2% YoY	$547.7M +7.8% YoY	Bottom 0.7% in tier
Loans	$66.5M +10.9% YoY+4.4% QoQ	$-81.3M	$147.8M -1.4% YoY	$341.2M +2.4% YoY	$388.7M +8.6% YoY	Bottom 13.1% in tier
Deposits	$91.0M +1.8% YoY-0.8% QoQ	$-109.3M	$200.3M -0.0% YoY	$366.8M +5.5% YoY	$464.6M +9.3% YoY	Bottom 3.6% 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	1.1% +89.4% YoY-13.2% QoQ	+0.3%	0.8% +15.5% YoY	0.7% +17.3% YoY	0.7% +273.4% YoY	73%
NIM	3.5% -2.0% YoY+2.7% QoQ	-0.0%	3.6% +6.9% YoY	3.3% +3.8% YoY	3.7% +5.0% YoY	47%
Efficiency Ratio	74.3% -11.3% YoY+3.4% QoQ	-3.0%	77.3% -3.0% YoY	80.4% -4.7% YoY	79.1% -3.3% YoY	39%
Delinquency Rate	0.8% -16.3% YoY-17.0% QoQ	-0.1	0.9% +7.6% YoY	0.9% -6.0% YoY	1.2% -0.9% YoY	57%
Loan To Share	73.0% +8.9% YoY+5.3% QoQ	+0.3%	72.7% -1.5% YoY	74.2% -1.7% YoY	68.0% -1.7% YoY	47%
AMR	$24,520 +28.0% YoY+0.8% QoQ	+$156	$24,363 +2.9% YoY	$24,707 +3.7% YoY	$19,418 +1.3% YoY	62%
CD Concentration	21.1% +20.3% YoY+3.8% QoQ	-3.3%	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 (2)

Wallet Share Momentum

growth

#10 of 481 • Top 1.9% in tier

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

Why This Signature

AMR Growth (YoY): 27.95%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Profitability Leader

growth

#340 of 340 • Top 100.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.12%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.53% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (2)

Stagnation Risk

risk

#7 of 550 • Bottom 0.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -17.57%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 10.92%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.76%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#8 of 550 • Bottom 0.4% in tier

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

Why This Signature

Member Growth (YoY): -17.57%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | 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 1077 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 27.95%

Peer Avg: -

#8 of 1077 Top 0.6% in 100M-500M tier

135

Loan Growth Rate

growth

Value: 10.92%

Peer Avg: -

#135 of 1077 Top 12.4% in 100M-500M tier

155

Members Per Employee (MPE)

engagement

Value: 428.200

Peer Avg: -

#155 of 1077 Top 14.3% in 100M-500M tier

197

Net Charge-Off Rate

risk

Value: 0.12%

Peer Avg: -

#197 of 1077 Top 18.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1069

Total Assets

balance_sheet

Value: $101.80M

Peer Avg: -

#1069 of 1077 Bottom 0.8% in 100M-500M tier

1067

Member Growth Rate

growth

Value: -17.57%

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1038

Total Deposits

balance_sheet

Value: $91.02M

Peer Avg: -

#1038 of 1077 Bottom 3.7% in 100M-500M tier

1002

Total Members

engagement

Value: 6,423

Peer Avg: -

#1002 of 1077 Bottom 7.1% in 100M-500M tier

936

Total Loans

balance_sheet

Value: $66.47M

Peer Avg: -

#936 of 1077 Bottom 13.2% in 100M-500M tier

841

First Mortgage Concentration (%)

balance_sheet

Value: 43.84%

Peer Avg: -

#841 of 1077 Bottom 22.0% in 100M-500M tier