BlastPoint's Credit Union Scorecard
ENERGY
Charter #66369 · MA
ENERGY has 3 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 31.3% in tier
- - Membership Headwinds: Bottom 41.6% in tier
- - Efficiency Drag: Bottom 47.7% in tier
- - Capital Constraint: Bottom 54.5% in tier
- - Accelerating Exit Risk: Bottom 65.5% in tier
- - Liquidity Overhang: Bottom 83.6% in tier
- - Shrinking Wallet Share: Bottom 98.1% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 5.31% above tier (higher cost structure)
- - Delinquency rate 0.50% above tier average
- - Member decline: -3.3% YoY
- - Deposit Growth Rate: Bottom 1.5% in tier
- - Asset Growth Rate: Bottom 2.4% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
- - Total Members: Bottom 4.6% in tier
- - First Mortgage Concentration (%): Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,620
-3.3% YoY-3.4% QoQ
|
-9.8K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 4.5% in tier |
| Assets |
$124.4M
-5.2% YoY-2.6% QoQ
|
$-107.4M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$87.6M
+0.8% YoY+2.0% QoQ
|
$-59.8M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$102.8M
-7.5% YoY-3.2% QoQ
|
$-98.0M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.6% in tier |
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| ROA |
0.4%
+3.1% YoY-20.3% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.0%
+5.9% YoY+2.5% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
82.3%
-0.9% YoY+0.1% QoQ
|
+5.3% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
1.4%
-3.3% YoY+242.2% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
85.2%
+8.9% YoY+5.4% QoQ
|
+13.0% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$33,868
-0.6% YoY+2.6% QoQ
|
+$9K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 10.8% in tier |
| CD Concentration |
35.5%
-7.6% YoY-4.1% QoQ
|
+11.1% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)