BlastPoint's Credit Union Scorecard
ALL ONE
Charter #66699 · MA
ALL ONE faces 8 concerns requiring attention
How does the industry compare?
What's your peer group doing?
How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.2% in tier
- - Efficiency Drag: Bottom 35.2% in tier
- - Shrinking Wallet Share: Bottom 93.7% in tier
- - Indirect Auto Dependency: Bottom 96.8% in tier
- - Liquidity Strain: Bottom 97.8% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 10.19% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,759
+0.4% YoY0% QoQ
|
-15.3K |
52,084
-1.6% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$869.3M
-3.8% YoY-0.9% QoQ
|
+$5.4M |
$863.9M
+0.5% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$629.5M
-2.7% YoY-1.3% QoQ
|
+$23.7M |
$605.8M
+1.4% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$691.6M
+2.0% YoY+1.0% QoQ
|
$-45.7M |
$737.3M
+0.1% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
26% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+296.8% YoY+69.1% QoQ
|
-0.4% |
0.7%
+39.1% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
2.7%
+14.6% YoY+2.4% QoQ
|
-0.7% |
3.4%
+8.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.7% in tier |
| Efficiency Ratio |
84.5%
-3.2% YoY-2.4% QoQ
|
+10.2% |
74.3%
-3.6% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 13.7% in tier |
| Delinquency Rate |
0.8%
+167.9% YoY+128.9% QoQ
|
-0.1 |
0.9%
+3.8% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
91.0%
-4.6% YoY-2.3% QoQ
|
+8.5% |
82.6%
+1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$35,939
-0.7% YoY-0.1% QoQ
|
+$7K |
$28,873
+2.7% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
35.8%
-1.1% YoY-1.6% QoQ
|
+11.4% | 24.4% | 25.0% | 19.8% | Top 13.2% in tier |
| Indirect Auto % |
21.3%
-10.3% YoY-5.2% QoQ
|
+7.5% | 13.8% | 2.4% | 7.8% | 73% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)