BlastPoint's Credit Union Scorecard

ENERGY

Charter #66369 · MA

1077 CUs in 100M-500M nationally 32 in MA

ENERGY has 2 strengths but faces 15 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Worth Ratio: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Accelerating Exit Risk: Bottom 13.7% in tier
- Shrinking Wallet Share: Bottom 14.4% in tier
- Efficiency Drag: Bottom 16.1% in tier
- Stagnation Risk: Bottom 20.1% in tier
- Wealth Migration Risk: Bottom 22.7% in tier
- Membership Headwinds: Bottom 26.4% in tier
- Institutional Decline: Bottom 31.3% in tier
- Liquidity Overhang: Bottom 84.2% in tier
- ROA 0.24% below tier average
- Efficiency ratio 4.96% above tier (higher cost structure)
- Fee Income Per Member: Bottom 2.9% in tier
- Deposit Growth Rate: Bottom 3.8% in tier
- Total Members: Bottom 5.2% in tier
- First Mortgage Concentration (%): Bottom 6.2% in tier
- Asset Growth Rate: Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	5,818 -1.2% YoY-0.2% QoQ	-9.8K	15,628 -3.4% YoY	27,447 +2.6% YoY	33,089 +6.1% YoY	Bottom 5.1% in tier
Assets	$127.8M -2.9% YoY-0.3% QoQ	$-103.5M	$231.3M -0.0% YoY	$440.2M +4.2% YoY	$547.7M +7.8% YoY	19%
Loans	$85.8M -2.3% YoY+0.4% QoQ	$-62.0M	$147.8M -1.4% YoY	$341.2M +2.4% YoY	$388.7M +8.6% YoY	26%
Deposits	$106.2M -4.4% YoY-0.7% QoQ	$-94.1M	$200.3M -0.0% YoY	$366.8M +5.5% YoY	$464.6M +9.3% YoY	15%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +32.5% YoY+0.4% QoQ	-0.2%	0.8% +15.5% YoY	0.7% +17.3% YoY	0.7% +273.4% YoY	36%
NIM	2.9% +1.6% YoY+3.1% QoQ	-0.7%	3.6% +6.9% YoY	3.3% +3.8% YoY	3.7% +5.0% YoY	15%
Efficiency Ratio	82.2% -0.6% YoY+0.2% QoQ	+5.0%	77.3% -3.0% YoY	80.4% -4.7% YoY	79.1% -3.3% YoY	68%
Delinquency Rate	0.4% -70.4% YoY-81.7% QoQ	-0.4	0.9% +7.6% YoY	0.9% -6.0% YoY	1.2% -0.9% YoY	29%
Loan To Share	80.8% +2.2% YoY+1.1% QoQ	+8.1%	72.7% -1.5% YoY	74.2% -1.7% YoY	68.0% -1.7% YoY	65%
AMR	$33,000 -2.3% YoY+0.0% QoQ	+$9K	$24,363 +2.9% YoY	$24,707 +3.7% YoY	$19,418 +1.3% YoY	Top 11.5% in tier
CD Concentration	37.1% -3.6% YoY-0.2% QoQ	+12.6%	24.4% +4.2% YoY	24.8% +8.8% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.6% -15.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Accelerating Exit Risk

decline

#37 of 58 • Bottom 13.7% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.24%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -2.26%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 1077 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#144 of 244 • Bottom 14.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.26%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Efficiency Drag

risk

#285 of 521 • Bottom 16.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.24%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.13% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -1.24%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Stagnation Risk

risk

#331 of 550 • Bottom 20.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.24%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.32%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.41%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Wealth Migration Risk

decline

#26 of 28 • Bottom 22.7% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $33.0K

(Tier: $25.0K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -2.26%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

28 of 1077 Community CUs have this signature | 39 nationally

↓ Shrinking -32 CUs YoY | New qualifier

Membership Headwinds

decline

#435 of 550 • Bottom 26.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.24%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline

#247 of 256 • Bottom 31.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $127.78M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.24%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.32%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk

#113 of 134 • Bottom 84.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.69%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 80.83%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.69%

Peer Avg: -

#89 of 1077 Top 8.2% in 100M-500M tier

123

Loan-to-Member Ratio (LMR)

engagement

Value: $14,751

Peer Avg: -

#123 of 1077 Top 11.3% in 100M-500M tier

124

Average Member Relationship (AMR)

engagement

Value: $33,000

Peer Avg: -

#124 of 1077 Top 11.4% in 100M-500M tier

182

Net Charge-Off Rate

risk

Value: 0.11%

Peer Avg: -

#182 of 1077 Top 16.8% in 100M-500M tier

241

Members Per Employee (MPE)

engagement

Value: 387.867

Peer Avg: -

#241 of 1077 Top 22.3% in 100M-500M tier

Top Weaknesses (11 metrics)

1047

Fee Income Per Member

profitability

Value: $50.81

Peer Avg: -

#1047 of 1077 Bottom 2.9% in 100M-500M tier

1037

Deposit Growth Rate

growth

Value: -4.38%

Peer Avg: -

#1037 of 1077 Bottom 3.8% in 100M-500M tier

1022

Total Members

engagement

Value: 5,818

Peer Avg: -

#1022 of 1077 Bottom 5.2% in 100M-500M tier

1011

First Mortgage Concentration (%)

balance_sheet

Value: 59.44%

Peer Avg: -

#1011 of 1077 Bottom 6.2% in 100M-500M tier

1000

Asset Growth Rate

growth

Value: -2.90%

Peer Avg: -

#1000 of 1077 Bottom 7.2% in 100M-500M tier

963

AMR Growth Rate

growth

Value: -2.26%

Peer Avg: -

#963 of 1077 Bottom 10.7% in 100M-500M tier

955

Share Certificate Concentration (%)

balance_sheet

Value: 37.05%

Peer Avg: -

#955 of 1077 Bottom 11.4% in 100M-500M tier

912

Net Interest Margin (NIM)

profitability

Value: 2.89%

Peer Avg: -

#912 of 1077 Bottom 15.4% in 100M-500M tier

912

Total Deposits

balance_sheet

Value: $106.17M

Peer Avg: -

#912 of 1077 Bottom 15.4% in 100M-500M tier

871

Total Assets

balance_sheet

Value: $127.78M

Peer Avg: -

#871 of 1077 Bottom 19.2% in 100M-500M tier