BlastPoint's Credit Union Scorecard
ALIGN
Charter #66365 · MA
ALIGN has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 32.5% in tier
- + Wallet Share Momentum: Top 32.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.9% in tier
- - Credit Quality Pressure: Bottom 6.6% in tier
- - Credit Risk Growth: Bottom 24.0% in tier
- - Membership Headwinds: Bottom 81.4% in tier
- - Stagnation Risk: Bottom 81.4% in tier
- - ROA 0.36% below tier average
- - Efficiency ratio 32.24% above tier (higher cost structure)
- - Delinquency rate 0.65% above tier average
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 8 that size in Massachusetts.
- Shares and deposits -1.6% year over year ($557M in shares and deposits).
- Membership: 26,942 members, -3.1% vs a year ago.
- Delinquency rate 1.46%.
- Return on assets 0.46%.
- Efficiency ratio 108.80% vs a 76.56% peer average.
- Loan-to-share ratio 74.82% vs a 79.33% 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 |
26,942
-3.1% YoY-0.2% QoQ
|
-11.0K |
37,897
-5.0% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Bottom 12.1% in tier |
| Assets |
$650.9M
-0.2% YoY+1.4% QoQ
|
+$28.6M |
$622.4M
+0.6% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$416.6M
+8.2% YoY+2.3% QoQ
|
$-11.9M |
$428.5M
-0.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$556.8M
-1.6% YoY-1.4% QoQ
|
+$17.0M |
$539.8M
+0.9% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
0.5%
-143.7% YoY-183.9% QoQ
|
-0.4% |
0.8%
+39.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
2.7%
+27.9% YoY+2.5% QoQ
|
-0.8% |
3.5%
+5.0% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.9% in tier |
| Efficiency Ratio |
108.8%
-19.2% YoY-2.4% QoQ
|
+32.2% |
76.6%
-3.6% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate |
1.5%
+94.4% YoY-11.2% QoQ
|
+0.6 |
0.8%
+3.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.9% in tier |
| Loan To Share |
74.8%
+10.0% YoY+3.7% QoQ
|
-4.5% |
79.3%
-1.4% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$36,128
+5.7% YoY+0.3% QoQ
|
+$9K |
$27,294
+4.1% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 12.1% in tier |
| CD Concentration |
26.0%
-2.2% YoY-5.2% QoQ
|
+1.5% | 24.6% | 25.4% | 20.0% | 57% |
| Indirect Auto % |
0.4%
-10.2% QoQ
|
-13.2% | 13.6% | 2.4% | 7.7% | 34% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)