BlastPoint's Credit Union Scorecard
METRO
Charter #66364 · MA
METRO has 1 strength but faces 7 concerns
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.0% in tier
- - Efficiency Drag: Bottom 13.9% in tier
- - Liquidity Strain: Bottom 16.8% in tier
- - Indirect Auto Dependency: Bottom 82.8% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 12.79% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 5.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Massachusetts.
- Shares and deposits +4.5% year over year ($2.76B in shares and deposits).
- Membership: 218,846 members, +1.1% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 0.35%.
- Efficiency ratio 82.25% vs a 69.45% peer average.
- Loan-to-share ratio 99.63% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
218,846
+1.1% YoY+1.6% QoQ
|
+2.3K |
216,545
-9.5% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$3.3B
+0.9% YoY+0.1% QoQ
|
$-598.7M |
$3.9B
-1.6% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$2.8B
-1.7% YoY-0.8% QoQ
|
$-179.3M |
$2.9B
-1.2% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$2.8B
+4.5% YoY+0.5% QoQ
|
$-495.2M |
$3.3B
-2.6% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
0.4%
-22.6% YoY+31.7% QoQ
|
-0.6% |
0.9%
+25.3% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.7% in tier |
| NIM |
2.1%
+12.2% YoY-0.7% QoQ
|
-1.1% |
3.2%
+3.8% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio |
82.2%
+2.1% YoY-4.0% QoQ
|
+12.8% |
69.5%
-2.3% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.4% in tier |
| Delinquency Rate |
0.6%
+247.2% YoY+4.6% QoQ
|
-0.2 |
0.8%
+5.5% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
99.6%
-5.9% YoY-1.3% QoQ
|
+9.4% |
90.2%
+0.9% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$25,195
+0.2% YoY-1.8% QoQ
|
$-6K |
$31,018
+6.9% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration |
32.5%
+2.2% YoY-0.3% QoQ
|
+3.4% | 29.1% | 25.4% | 20.0% | 66% |
| Indirect Auto % |
31.0%
-0.5% YoY+3.3% QoQ
|
+12.9% | 18.1% | 2.4% | 7.7% | 80% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)