BlastPoint's Credit Union Scorecard

ALL ONE

Charter #66699 · MA

Community 750M-1B

117 CUs in 750M-1B nationally 7 in MA

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ALL ONE faces 6 concerns requiring attention

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MA Analysis

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

- Efficiency Drag: Bottom 10.2% in tier
- Credit Quality Pressure: Bottom 52.4% in tier
- Indirect Auto Dependency: Bottom 95.3% in tier
- ROA 0.38% below tier average
- Efficiency ratio 16.40% above tier (higher cost structure)
- Asset Growth Rate: Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	36,606 -0.5% YoY-0.4% QoQ	-14.9K	51,500 +0.7% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	19%
Assets	$864.4M -3.5% YoY-0.6% QoQ	$-1.2M	$865.6M +0.9% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	50%
Loans	$625.4M -2.7% YoY-0.6% QoQ	+$30.2M	$595.3M +1.6% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	54%
Deposits	$701.5M +1.0% YoY+1.4% QoQ	$-40.7M	$742.2M +0.6% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	32%

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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	0.4% -354.7% YoY+6.0% QoQ	-0.4%	0.8% +45.0% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	22%
NIM	2.8% +17.4% YoY+6.1% QoQ	-0.6%	3.5% +6.1% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	15%
Efficiency Ratio	91.9% -3.5% YoY+8.7% QoQ	+16.4%	75.5% -3.4% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 3.4% in tier
Delinquency Rate	0.2% +5.4% YoY-74.4% QoQ	-0.5	0.7% -0.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	Top 12.8% in tier
Loan To Share	89.2% -3.6% YoY-2.0% QoQ	+8.5%	80.6% +0.7% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	71%
AMR	$36,249 -0.3% YoY+0.9% QoQ	+$7K	$28,908 +0.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 14.5% in tier
CD Concentration	35.5% -3.8% YoY-0.9% QoQ	+11.2%	24.3%	25.2%	19.8%	Top 13.6% in tier
Indirect Auto %	20.1% -14.8% YoY-5.6% QoQ	+6.3%	13.8%	2.3%	7.7%	71%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Efficiency Drag

risk

#119 of 596 • Bottom 10.2% in tier

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

Why This Signature

Efficiency Ratio: 91.93%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.54% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -0.49%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#699 of 727 • Bottom 52.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#485 of 504 • Bottom 95.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -3.55%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 20.06%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.49%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 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 117 peers in tier

Top Strengths (3 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Median: 0.56%

#16 of 117 Top 12.8% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,086

Peer Median: $11,598

#16 of 117 Top 12.8% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $36,249

Peer Median: $26,209

#17 of 117 Top 13.7% in 750M-1B tier

Top Weaknesses (12 metrics)

114

Efficiency Ratio

profitability

Value: 91.93%

Peer Median: 77.38%

#114 of 117 Bottom 3.4% in 750M-1B tier

111

Asset Growth Rate

growth

Value: -3.55%

Peer Median: 4.88%

#111 of 117 Bottom 6.0% in 750M-1B tier

104

Loan Growth Rate

growth

Value: -2.69%

Peer Median: 4.33%

#104 of 117 Bottom 12.0% in 750M-1B tier

100

AMR Growth Rate

growth

Value: -0.29%

Peer Median: 3.70%

#100 of 117 Bottom 15.4% in 750M-1B tier

100

Net Worth Ratio

risk

Value: 8.76%

Peer Median: 10.69%

#100 of 117 Bottom 15.4% in 750M-1B tier

100

Share Certificate Concentration (%)

balance_sheet

Value: 35.46%

Peer Median: 26.77%

#100 of 117 Bottom 15.4% in 750M-1B tier

100

Members Per Employee (MPE)

engagement

Value: 263.353

Peer Median: 328.468

#100 of 117 Bottom 15.4% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 2.84%

Peer Median: 3.47%

#99 of 117 Bottom 16.2% in 750M-1B tier

Total Members

engagement

Value: 36,606

Peer Median: 51,712

#95 of 117 Bottom 19.7% in 750M-1B tier

Deposit Growth Rate

growth

Value: 0.99%

Peer Median: 4.60%

#93 of 117 Bottom 21.4% in 750M-1B tier