BlastPoint's Credit Union Scorecard

JEANNE D'ARC

Charter #67352 · MA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 10 in MA

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JEANNE D'ARC has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Charge-Off Rate: Top 4.6% in tier
+ Loan-to-Share Ratio: Top 6.2% in tier
+ Total Delinquency Rate (60+ days): Top 7.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 7.3% in tier
- Capital Constraint: Bottom 7.3% in tier
- Efficiency Drag: Bottom 10.2% in tier
- Institutional Decline: Bottom 39.4% in tier
- Credit Quality Pressure: Bottom 46.6% in tier
- Accelerating Exit Risk: Bottom 82.4% in tier
- Membership Headwinds: Bottom 82.4% in tier
- Stagnation Risk: Bottom 82.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	101,712 -1.5% YoY+0.6% QoQ	+5.7K	96,048 -2.7% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	65%
Assets	$2.2B -3.0% YoY+0.2% QoQ	+$467.7M	$1.7B +0.4% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	76%
Loans	$1.8B -1.5% YoY-0.4% QoQ	+$553.3M	$1.2B +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	85%
Deposits	$1.7B -4.1% YoY+0.5% QoQ	+$259.7M	$1.5B +0.5% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	70%

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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% +59.7% YoY+3.7% QoQ	-0.4%	0.7% +27.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	21%
NIM	2.5% +28.4% YoY+13.0% QoQ	-0.9%	3.4% +6.2% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 6.2% in tier
Efficiency Ratio	86.2% -5.6% YoY-0.3% QoQ	+11.5%	74.6% -3.0% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 11.1% in tier
Delinquency Rate	0.2% +30.7% YoY-7.8% QoQ	-0.6	0.8% +6.9% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	Top 7.8% in tier
Loan To Share	102.4% +2.8% YoY-0.9% QoQ	+19.2%	83.2% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	Top 6.5% in tier
AMR	$34,335 -1.4% YoY-0.6% QoQ	+$5K	$29,652 +2.3% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	79%
CD Concentration	38.2% -10.7% YoY-1.0% QoQ	+9.3%	28.8%	25.2%	19.8%	Top 13.1% in tier
Indirect Auto %	4.7% -26.3% YoY-2.8% QoQ	-13.3%	18.1%	2.3%	7.7%	24%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (9)

Efficiency Drag

risk

#21 of 100 • 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: 86.15%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.14% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.49%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank worsening

Liquidity Strain

risk

#72 of 148 • Bottom 7.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 102.42%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -1.50%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Capital Constraint

risk

#5 of 8 • Bottom 7.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 102.42%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -4.15%

(Tier: 6.69%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 9.01%

(Tier: 11.28%, National: 14.35%)

worse than tier avg

8 of 384 Mid-Market CUs have this signature | 25 nationally

→ No prior data (8 CUs now) | New qualifier

Accelerating Exit Risk

decline

#8 of 12 • Bottom 82.4% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.49%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -1.36%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

12 of 384 Mid-Market CUs have this signature | 66 nationally

→ No prior data (12 CUs now) | New qualifier

Institutional Decline

decline

#23 of 31 • Bottom 39.4% in tier

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

Why This Signature

Total Assets: $2.19B

(Tier: $2.16B, National: $578.34M)

but better than tier avg

Member Growth (YoY): -1.49%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.50%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

31 of 384 Mid-Market CUs have this signature | 289 nationally

→ No prior data (31 CUs now) | New qualifier

Shrinking Wallet Share

decline

#61 of 82 • Bottom 84.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.36%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Membership Headwinds

decline

#68 of 91 • Bottom 82.4% in tier

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

Why This Signature

Member Growth (YoY): -1.49%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#71 of 91 • Bottom 82.4% 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): -1.49%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.50%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.19%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Credit Quality Pressure

risk

#177 of 225 • Bottom 46.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

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 306 peers in tier

Top Strengths (7 metrics)

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: 0.51%

#15 of 306 Top 4.6% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 102.42%

Peer Median: 85.31%

#20 of 306 Top 6.2% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.19%

Peer Median: 0.63%

#25 of 306 Top 7.8% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,373

Peer Median: $12,733

#34 of 306 Top 10.8% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.77B

Peer Median: $1.11B

#47 of 306 Top 15.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $34,335

Peer Median: $28,178

#64 of 306 Top 20.6% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.19B

Peer Median: $1.51B

#74 of 306 Top 23.9% in 1B-3B tier

Top Weaknesses (11 metrics)

300

First Mortgage Concentration (%)

balance_sheet

Value: 69.72%

Peer Median: 33.05%

#300 of 306 Bottom 2.3% in 1B-3B tier

296

Deposit Growth Rate

growth

Value: -4.15%

Peer Median: 4.44%

#296 of 306 Bottom 3.6% in 1B-3B tier

291

Asset Growth Rate

growth

Value: -3.00%

Peer Median: 4.82%

#291 of 306 Bottom 5.2% in 1B-3B tier

287

Net Interest Margin (NIM)

profitability

Value: 2.47%

Peer Median: 3.37%

#287 of 306 Bottom 6.5% in 1B-3B tier

274

Share Certificate Concentration (%)

balance_sheet

Value: 38.17%

Peer Median: 27.93%

#274 of 306 Bottom 10.8% in 1B-3B tier

273

Efficiency Ratio

profitability

Value: 86.15%

Peer Median: 75.16%

#273 of 306 Bottom 11.1% in 1B-3B tier

268

Net Worth Ratio

risk

Value: 9.01%

Peer Median: 10.85%

#268 of 306 Bottom 12.7% in 1B-3B tier

267

Loan Growth Rate

growth

Value: -1.50%

Peer Median: 5.67%

#267 of 306 Bottom 13.1% in 1B-3B tier

257

AMR Growth Rate

growth

Value: -1.36%

Peer Median: 3.15%

#257 of 306 Bottom 16.3% in 1B-3B tier

248

Member Growth Rate

growth

Value: -1.49%

Peer Median: 2.03%

#248 of 306 Bottom 19.3% in 1B-3B tier