BlastPoint's Credit Union Scorecard
ENERGY
Charter #66369 · MA
ENERGY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Net Charge-Off Rate: Top 2.8% in tier
- + Net Worth Ratio: Top 8.1% in tier
- + Loan-to-Member Ratio (LMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 4.61% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,616
-3.2% YoY-0.1% QoQ
|
-9.5K |
15,145
-2.5% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 5.0% in tier |
| Assets |
$129.1M
-1.1% YoY+3.7% QoQ
|
$-102.7M |
$231.7M
+0.8% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$88.8M
+2.9% YoY+1.4% QoQ
|
$-55.4M |
$144.1M
+0.2% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$107.5M
-2.0% YoY+4.6% QoQ
|
$-93.6M |
$201.1M
+0.4% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
0.6%
+2.7% YoY+28.4% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
3.0%
+8.0% YoY+0.2% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
82.6%
+1.1% YoY+0.4% QoQ
|
+4.6% |
78.0%
-1.7% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
64% |
| Delinquency Rate |
0.4%
-66.5% YoY-73.1% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
29% |
| Loan To Share |
82.5%
+5.0% YoY-3.1% QoQ
|
+12.1% |
70.4%
-0.4% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$34,954
+3.5% YoY+3.2% QoQ
|
+$10K |
$24,918
+2.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Top 10.5% in tier |
| CD Concentration |
36.8%
-5.3% YoY+3.6% QoQ
|
+12.5% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 7.7% | 50% |
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)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)