BlastPoint's Credit Union Scorecard
ATHOL
Charter #66819 · MA
ATHOL has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 0.1% in tier
- + Total Assets: Top 0.2% in tier
- + Loan-to-Share Ratio: Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 2.7% in tier
- + Total Deposits: Top 3.9% in tier
- + Average Member Relationship (AMR): Top 6.9% in tier
- + Total Members: Top 7.5% in tier
- + Asset Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.19% below tier average
- - Efficiency ratio 15.55% above tier (higher cost structure)
- - Member decline: -2.3% YoY
- - Share Certificate Concentration (%): Bottom 6.1% in tier
- - First Mortgage Concentration (%): Bottom 6.6% in tier
- - Net Worth Ratio: Bottom 7.3% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits +3.7% year over year ($77.5M in shares and deposits).
- Membership: 6,257 members, -2.3% vs a year ago.
- Delinquency rate 1.20%.
- Return on assets 0.30%.
- Efficiency ratio 104.31% vs a 88.77% peer average.
- Loan-to-share ratio 112.35% vs a 58.89% 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 |
6,257
-2.3% YoY-0.4% QoQ
|
+3.7K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Top 7.6% in tier |
| Assets |
$99.2M
+8.7% YoY+1.9% QoQ
|
+$68.9M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
Top 0.3% in tier |
| Loans |
$87.1M
+7.6% YoY+1.5% QoQ
|
+$71.7M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
Top 0.1% in tier |
| Deposits |
$77.5M
+3.7% YoY+0.0% QoQ
|
+$51.7M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
Top 4.0% in tier |
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| ROA |
0.3%
+86.9% YoY-187.7% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
3.5%
+7.1% YoY+0.5% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
104.3%
+16.7% YoY-1.8% QoQ
|
+15.5% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate |
1.2%
+590.7% YoY+81.8% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
112.4%
+3.8% YoY+1.4% QoQ
|
+53.5% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
Top 1.1% in tier |
| AMR |
$26,314
+8.2% YoY+1.1% QoQ
|
+$11K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 7.0% in tier |
| CD Concentration |
43.1%
+0.4% YoY+2.8% QoQ
|
+18.5% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-66.7% YoY-15.8% QoQ
|
-13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)