BlastPoint's Credit Union Scorecard

ALL ONE

Charter #66699 · MA

Community 750M-1B

111 CUs in 750M-1B nationally 6 in MA

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ALL ONE faces 8 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

- Institutional Decline: Bottom 3.6% in tier
- Efficiency Drag: Bottom 6.7% in tier
- Liquidity Strain: Bottom 14.6% in tier
- Stagnation Risk: Bottom 65.9% in tier
- Membership Headwinds: Bottom 65.9% in tier
- Indirect Auto Dependency: Bottom 85.3% in tier
- ROA 0.51% below tier average
- Efficiency ratio 17.83% above tier (higher cost structure)

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 111 credit unions with $750M-$1B in assets nationally, and 1 of 6 that size in Massachusetts.
Shares and deposits +0.2% year over year ($692M in shares and deposits).
Membership: 36,538 members, -1.2% vs a year ago.
Delinquency rate 0.27%.
Return on assets 0.33%.
Efficiency ratio 92.37% vs a 74.54% peer average.
Loan-to-share ratio 91.32% vs a 82.60% 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	36,538 -1.2% YoY-0.2% QoQ	-15.9K	52,482 +1.3% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	17%
Assets	$880.8M -0.3% YoY+1.9% QoQ	+$16.9M	$863.9M +0.5% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	58%
Loans	$632.1M -1.8% YoY+1.1% QoQ	+$24.3M	$607.8M +2.1% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	51%
Deposits	$692.2M +0.2% YoY-1.3% QoQ	$-47.7M	$739.9M +0.2% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	25%

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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	0.3% +240.2% YoY-13.6% QoQ	-0.5%	0.8% +30.4% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	17%
NIM	2.8% +11.9% YoY-0.6% QoQ	-0.7%	3.5% +6.2% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	Bottom 12.6% in tier
Efficiency Ratio	92.4% +3.4% YoY+0.5% QoQ	+17.8%	74.5% -1.4% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	Bottom 0.9% in tier
Delinquency Rate	0.3% -5.7% YoY+34.2% QoQ	-0.5	0.8% +1.0% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	Top 13.5% in tier
Loan To Share	91.3% -1.9% YoY+2.4% QoQ	+8.7%	82.6% +1.9% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	72%
AMR	$36,243 +0.4% YoY-0.0% QoQ	+$8K	$28,702 +0.4% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	Top 14.4% in tier
CD Concentration	34.3% -6.8% YoY-3.3% QoQ	+9.8%	24.6%	25.4%	20.0%	82%
Indirect Auto %	19.1% -16.5% YoY-4.7% QoQ	+5.5%	13.6%	2.4%	7.7%	71%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#63 of 531 • Bottom 6.7% in tier

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

Why This Signature

Efficiency Ratio: 92.37%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.24% points

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

but better than tier avg

Member Growth (YoY): -1.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Institutional Decline

decline

#152 of 230 • Bottom 3.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $880.80M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -1.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.77%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 276 Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Stagnation Risk

risk

#429 of 549 • Bottom 65.9% 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): -1.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.77%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.27%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Membership Headwinds

decline

#440 of 549 • Bottom 65.9% in tier

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

Why This Signature

Member Growth (YoY): -1.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#443 of 476 • Bottom 85.3% in tier

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

Why This Signature

Asset Growth (YoY): -0.34%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 19.12%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Liquidity Strain

risk

#219 of 224 • Bottom 14.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.32%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -1.77%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 276 Community CUs have this signature | 432 nationally

↓ Shrinking -11 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 111 peers in tier

Top Strengths (4 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $17,299

Peer Median: $11,611

#15 of 111 Top 12.6% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Median: 0.60%

#16 of 111 Top 13.5% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $36,243

Peer Median: $26,161

#16 of 111 Top 13.5% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.21%

Peer Median: 0.47%

#26 of 111 Top 22.5% in 750M-1B tier

Top Weaknesses (12 metrics)

111

Efficiency Ratio

profitability

Value: 92.37%

Peer Median: 75.82%

#111 of 111 Bottom 0.9% in 750M-1B tier

101

Asset Growth Rate

growth

Value: -0.34%

Peer Median: 4.77%

#101 of 111 Bottom 9.9% in 750M-1B tier

100

Deposit Growth Rate

growth

Value: 0.18%

Peer Median: 4.45%

#100 of 111 Bottom 10.8% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 2.82%

Peer Median: 3.51%

#97 of 111 Bottom 13.5% in 750M-1B tier

Net Worth Ratio

risk

Value: 8.67%

Peer Median: 10.80%

#96 of 111 Bottom 14.4% in 750M-1B tier

Loan Growth Rate

growth

Value: -1.77%

Peer Median: 3.68%

#95 of 111 Bottom 15.3% in 750M-1B tier

Fee Income Per Member

profitability

Value: $144.16

Peer Median: $197.29

#94 of 111 Bottom 16.2% in 750M-1B tier

AMR Growth Rate

growth

Value: 0.43%

Peer Median: 4.04%

#93 of 111 Bottom 17.1% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Median: 0.81%

#92 of 111 Bottom 18.0% in 750M-1B tier

Total Members

engagement

Value: 36,538

Peer Median: 52,842

#92 of 111 Bottom 18.0% in 750M-1B tier