BlastPoint's Credit Union Scorecard
ATHOL
Charter #66819 · MA
ATHOL has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 0.0% in tier
- + Total Assets: Top 0.8% in tier
- + Loan-to-Share Ratio: Top 1.1% in tier
- + Loan-to-Member Ratio (LMR): Top 3.1% in tier
- + Total Deposits: Top 4.9% in tier
- + Average Member Relationship (AMR): Top 7.4% in tier
- + Total Members: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 9.33% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 5.7% in tier
- - Share Certificate Concentration (%): Bottom 6.3% in tier
- - Net Worth Ratio: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,258
-0.9% YoY+0.8% QoQ
|
+3.6K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Top 8.0% in tier |
| Assets |
$97.7M
+3.0% YoY+3.5% QoQ
|
+$67.6M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Top 0.9% in tier |
| Loans |
$85.3M
+1.8% YoY+3.0% QoQ
|
+$69.5M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Top 0.1% in tier |
| Deposits |
$75.2M
+2.0% YoY-0.6% QoQ
|
+$49.5M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 4.9% in tier |
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| ROA |
0.1%
+122.2% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
3.3%
+9.8% YoY-0.7% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
91.9%
-3.1% YoY-1.1% QoQ
|
+9.3% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.6%
+5.8% YoY+21.2% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
113.4%
-0.2% YoY+3.7% QoQ
|
+52.8% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 1.3% in tier |
| AMR |
$25,650
+2.8% YoY+0.5% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 7.5% in tier |
| CD Concentration |
42.3%
+1.9% YoY-1.7% QoQ
|
+17.9% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-67.1% YoY-29.3% QoQ
|
-13.7% | 13.8% | 2.4% | 7.8% | 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)