BlastPoint's Credit Union Scorecard
ALL ONE
Charter #66699 · MA
ALL ONE has 1 strength but faces 7 concerns
How does the industry compare?
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 84.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 2.6% in tier
- - Credit Quality Pressure: Bottom 22.2% in tier
- - Liquidity Strain: Bottom 28.4% in tier
- - Indirect Auto Dependency: Bottom 30.6% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 12.08% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,759
-0.3% YoY-0.6% QoQ
|
-15.4K |
52,114
-2.1% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$877.3M
-4.2% YoY-0.7% QoQ
|
+$18.3M |
$859.0M
+0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$638.0M
-2.4% YoY-0.8% QoQ
|
+$34.7M |
$603.4M
+1.0% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$684.7M
+1.5% YoY-0.9% QoQ
|
$-49.5M |
$734.2M
+0.9% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
25% |
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| ROA |
0.2%
+51.6% YoY+119.6% QoQ
|
-0.5% |
0.7%
+27.6% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
2.6%
+12.7% YoY+3.6% QoQ
|
-0.8% |
3.4%
+9.6% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.6% in tier |
| Efficiency Ratio |
86.6%
+0.5% YoY-3.1% QoQ
|
+12.1% |
74.5%
-3.2% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 10.7% in tier |
| Delinquency Rate |
0.3%
+24.1% YoY+19.8% QoQ
|
-0.5 |
0.8%
+5.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
15% |
| Loan To Share |
93.2%
-3.8% YoY+0.1% QoQ
|
+10.5% |
82.7%
+0.1% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$35,984
-0.1% YoY-0.3% QoQ
|
+$7K |
$28,651
+2.5% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration |
36.4%
+0.2% YoY-1.2% QoQ
|
+12.0% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
Top 12.9% in tier |
| Indirect Auto % |
22.4%
-9.6% YoY-2.1% QoQ
|
+8.4% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
74% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)