BlastPoint's Credit Union Scorecard

ENERGY

Charter #66369 · MA

100M-500M

1024 CUs in 100M-500M nationally 32 in MA

ENERGY has 5 strengths but faces 8 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Net Charge-Off Rate: Top 2.0% in tier
+ Net Worth Ratio: Top 8.8% 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
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- ROA 0.20% below tier average
- Efficiency ratio 3.42% above tier (higher cost structure)
- Delinquency rate 0.54% above tier average
- Member decline: -3.8% YoY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
Shares and deposits -0.4% year over year ($106M in shares and deposits).
Membership: 5,609 members, -3.8% vs a year ago.
Delinquency rate 1.43%.
Return on assets 0.66%.
Efficiency ratio 80.15% vs a 76.73% peer average.
Loan-to-share ratio 85.50% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	5,609 -3.8% YoY-0.1% QoQ	-9.6K	15,168 -2.6% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	Bottom 5.0% in tier
Assets	$128.8M +0.5% YoY-0.2% QoQ	$-103.2M	$232.0M +0.7% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	18%
Loans	$91.0M +6.5% YoY+2.5% QoQ	$-55.2M	$146.3M +0.2% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	30%
Deposits	$106.5M -0.4% YoY-1.0% QoQ	$-94.3M	$200.7M +0.2% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	Bottom 14.8% in tier

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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	0.7% +21.9% YoY+18.6% QoQ	-0.2%	0.9% +12.5% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	41%
NIM	3.1% +10.2% YoY+4.1% QoQ	-0.6%	3.7% +4.5% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	17%
Efficiency Ratio	80.2% -2.4% YoY-3.0% QoQ	+3.4%	76.7% -0.8% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	58%
Delinquency Rate	1.4% -36.2% YoY+279.3% QoQ	+0.5	0.9% +6.6% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	84%
Loan To Share	85.5% +6.9% YoY+3.6% QoQ	+14.0%	71.5% -0.3% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	77%
AMR	$35,206 +6.7% YoY+0.7% QoQ	+$10K	$25,107 +3.2% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	Top 10.3% in tier
CD Concentration	36.8% -0.9% YoY+0.0% QoQ	+12.2%	24.6%	25.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.4%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#92 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.69%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $2.4K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth

#318 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.69%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#183 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -3.79%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Stagnation Risk

risk

#237 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.79%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 6.47%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 1.43%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Efficiency Drag

risk

#462 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 80.15%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.12% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -3.79%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Liquidity Overhang

risk

#122 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.92%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 85.50%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.00%

Peer Median: 0.34%

#21 of 1024 Top 2.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.92%

Peer Median: 11.71%

#91 of 1024 Top 8.8% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,228

Peer Median: $9,434

#92 of 1024 Top 8.9% in 100M-500M tier

105

Average Member Relationship (AMR)

engagement

Value: $35,206

Peer Median: $23,006

#105 of 1024 Top 10.2% in 100M-500M tier

238

Loan-to-Share Ratio

balance_sheet

Value: 85.50%

Peer Median: 73.07%

#238 of 1024 Top 23.1% in 100M-500M tier

245

AMR Growth Rate

growth

Value: 6.69%

Peer Median: 3.53%

#245 of 1024 Top 23.8% in 100M-500M tier

Top Weaknesses (11 metrics)

990

Fee Income Per Member

profitability

Value: $54.53

Peer Median: $159.88

#990 of 1024 Bottom 3.4% in 100M-500M tier

973

Total Members

engagement

Value: 5,609

Peer Median: 13,128

#973 of 1024 Bottom 5.1% in 100M-500M tier

968

First Mortgage Concentration (%)

balance_sheet

Value: 61.27%

Peer Median: 29.92%

#968 of 1024 Bottom 5.6% in 100M-500M tier

901

Share Certificate Concentration (%)

balance_sheet

Value: 36.80%

Peer Median: 23.39%

#901 of 1024 Bottom 12.1% in 100M-500M tier

873

Member Growth Rate

growth

Value: -3.79%

Peer Median: -0.03%

#873 of 1024 Bottom 14.8% in 100M-500M tier

872

Total Deposits

balance_sheet

Value: $106.45M

Peer Median: $170.77M

#872 of 1024 Bottom 14.9% in 100M-500M tier

861

Total Delinquency Rate (60+ days)

risk

Value: 1.43%

Peer Median: 0.71%

#861 of 1024 Bottom 16.0% in 100M-500M tier

848

Net Interest Margin (NIM)

profitability

Value: 3.08%

Peer Median: 3.67%

#848 of 1024 Bottom 17.3% in 100M-500M tier

844

Deposit Growth Rate

growth

Value: -0.41%

Peer Median: 3.58%

#844 of 1024 Bottom 17.7% in 100M-500M tier

835

Total Assets

balance_sheet

Value: $128.77M

Peer Median: $196.38M

#835 of 1024 Bottom 18.6% in 100M-500M tier