BlastPoint's Credit Union Scorecard
ALIGN
Charter #66365 · MA
ALIGN has 2 strengths but faces 13 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 60.3% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.7% in tier
- - Efficiency Drag: Bottom 29.2% in tier
- - Stagnation Risk: Bottom 33.3% in tier
- - Credit Risk Growth: Bottom 42.4% in tier
- - Membership Headwinds: Bottom 43.6% in tier
- - ROA 1.46% below tier average
- - Efficiency ratio 41.57% above tier (higher cost structure)
- - Delinquency rate 1.05% above tier average
- - Member decline: -3.2% YoY
- - Net Interest Margin (NIM): Bottom 2.4% in tier
- - Members Per Employee (MPE): Bottom 4.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.1% in tier
- - Asset Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,024
-3.2% YoY-2.7% QoQ
|
-11.6K |
38,575
-4.8% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 10.9% in tier |
| Assets |
$647.3M
-3.1% YoY-0.0% QoQ
|
+$25.6M |
$621.7M
+0.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$401.2M
+2.0% YoY+2.5% QoQ
|
$-28.6M |
$429.8M
-1.8% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$558.6M
+0.1% YoY+0.6% QoQ
|
+$19.9M |
$538.7M
+0.6% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
-0.8%
-35.3% YoY-0.0% QoQ
|
-1.5% |
0.7%
+42.9% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.0% in tier |
| NIM |
2.3%
+30.3% YoY+3.4% QoQ
|
-1.1% |
3.4%
+8.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.8% in tier |
| Efficiency Ratio |
119.1%
-20.2% YoY+0.1% QoQ
|
+41.6% |
77.5%
-4.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 0.6% in tier |
| Delinquency Rate |
1.9%
+111.2% YoY+10.7% QoQ
|
+1.0 |
0.8%
-1.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Top 6.1% in tier |
| Loan To Share |
71.8%
+1.9% YoY+1.9% QoQ
|
-8.0% |
79.8%
-2.3% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$35,515
+4.2% YoY+4.2% QoQ
|
+$9K |
$26,849
+2.7% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 11.5% in tier |
| CD Concentration |
27.7%
-0.6% YoY-0.2% QoQ
|
+3.3% | 24.4% | 25.0% | 19.8% | 62% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 2.4% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)