BlastPoint's Credit Union Scorecard
ALIGN
Charter #66365 · MA
ALIGN has 1 strength 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 39.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.0% in tier
- - Credit Quality Pressure: Bottom 1.8% in tier
- - Credit Risk Growth: Bottom 38.6% in tier
- - Stagnation Risk: Bottom 81.3% in tier
- - Membership Headwinds: Bottom 81.3% in tier
- - ROA 1.23% below tier average
- - Efficiency ratio 33.04% above tier (higher cost structure)
- - Delinquency rate 0.93% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,989
-3.1% YoY-0.1% QoQ
|
-11.1K |
38,079
-4.8% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 12.0% in tier |
| Assets |
$642.1M
-2.4% YoY-0.8% QoQ
|
+$22.4M |
$619.7M
-0.2% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
59% |
| Loans |
$407.4M
+5.4% YoY+1.5% QoQ
|
$-11.9M |
$419.3M
-1.4% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$564.8M
-1.2% YoY+1.1% QoQ
|
+$25.3M |
$539.5M
-0.1% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
-0.5%
-59.4% YoY-32.2% QoQ
|
-1.2% |
0.7%
+36.0% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.8% in tier |
| NIM |
2.7%
+32.3% YoY+15.8% QoQ
|
-0.8% |
3.5%
+4.5% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.6% in tier |
| Efficiency Ratio |
111.4%
-24.9% YoY-6.4% QoQ
|
+33.0% |
78.4%
-3.7% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.2% in tier |
| Delinquency Rate |
1.6%
+182.9% YoY-13.2% QoQ
|
+0.9 |
0.7%
-0.9% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
72.1%
+6.6% YoY+0.4% QoQ
|
-5.5% |
77.7%
-1.2% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
29% |
| AMR |
$36,022
+4.7% YoY+1.4% QoQ
|
+$9K |
$26,927
+3.1% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Top 10.8% in tier |
| CD Concentration |
27.4%
+0.5% YoY-1.1% QoQ
|
+3.2% | 24.3% | 25.2% | 19.8% | 63% |
| Indirect Auto % | 0.5% | -13.3% | 13.8% | 2.3% | 7.7% | 34% |
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
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)