BlastPoint's Credit Union Scorecard
ALIGN
Charter #66365 · MA
ALIGN has 2 strengths but faces 11 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 80.9% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.6% in tier
- - Efficiency Drag: Bottom 6.9% in tier
- - Membership Headwinds: Bottom 16.0% in tier
- - Stagnation Risk: Bottom 25.4% in tier
- - ROA 1.46% below tier average
- - Efficiency ratio 40.82% above tier (higher cost structure)
- - Delinquency rate 0.91% above tier average
- - Member decline: -2.6% YoY
- - Net Interest Margin (NIM): Bottom 2.4% in tier
- - Asset Growth Rate: Bottom 8.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,762
-2.6% YoY-0.2% QoQ
|
-12.0K |
39,752
-2.7% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 13.0% in tier |
| Assets |
$647.3M
-4.7% YoY-0.7% QoQ
|
+$24.9M |
$622.4M
+0.3% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$391.3M
-0.5% YoY+1.7% QoQ
|
$-44.6M |
$435.9M
-0.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$555.3M
+0.0% YoY-1.9% QoQ
|
+$17.3M |
$538.0M
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
-0.8%
-28.5% YoY-23.2% QoQ
|
-1.5% |
0.7%
+33.9% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.0% in tier |
| NIM |
2.2%
+29.2% YoY+4.2% QoQ
|
-1.2% |
3.4%
+8.6% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.8% in tier |
| Efficiency Ratio |
118.9%
-18.1% YoY-11.7% QoQ
|
+40.8% |
78.1%
-3.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 0.6% in tier |
| Delinquency Rate |
1.7%
+152.9% YoY+127.9% QoQ
|
+0.9 |
0.8%
-4.9% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 8.9% in tier |
| Loan To Share |
70.5%
-0.5% YoY+3.6% QoQ
|
-10.6% |
81.0%
-1.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$34,098
+2.5% YoY-0.3% QoQ
|
+$8K |
$26,482
+2.6% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 13.0% in tier |
| CD Concentration |
27.8%
+0.6% YoY+4.4% QoQ
|
+3.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
63% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
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 (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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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)