BlastPoint's Credit Union Scorecard
JEANNE D'ARC
Charter #67352 · MA
JEANNE D'ARC has 3 strengths but faces 11 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 4.0% in tier
- + Total Delinquency Rate (60+ days): Top 6.3% in tier
- + Loan-to-Share Ratio: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 12.4% in tier
- - Liquidity Strain: Bottom 43.6% in tier
- - Membership Headwinds: Bottom 75.0% in tier
- - Stagnation Risk: Bottom 82.1% in tier
- - Institutional Decline: Bottom 89.7% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 12.37% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 2.6% in tier
- - Net Interest Margin (NIM): Bottom 4.6% in tier
- - Asset Growth Rate: Bottom 9.3% in tier
- - Deposit Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
101,075
-1.4% YoY-2.7% QoQ
|
+3.6K |
97,431
-2.4% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$2.2B
-1.3% YoY-1.8% QoQ
|
+$459.3M |
$1.7B
+0.9% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$1.8B
-1.1% YoY-0.7% QoQ
|
+$539.1M |
$1.2B
+0.5% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
85% |
| Deposits |
$1.7B
-1.3% YoY-2.4% QoQ
|
+$257.3M |
$1.5B
+0.9% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
0.4%
+63.9% YoY+9.0% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
2.2%
+19.9% YoY+5.6% QoQ
|
-1.1% |
3.3%
+9.2% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.3% in tier |
| Efficiency Ratio |
86.4%
-3.2% YoY-1.0% QoQ
|
+12.4% |
74.1%
-9.5% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 6.6% in tier |
| Delinquency Rate |
0.2%
-11.9% YoY+7.4% QoQ
|
-0.7 |
0.9%
+6.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 6.3% in tier |
| Loan To Share |
103.3%
+0.3% YoY+1.8% QoQ
|
+18.5% |
84.8%
-0.8% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 7.3% in tier |
| AMR |
$34,531
+0.2% YoY+1.2% QoQ
|
+$5K |
$29,428
+2.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
38.6%
-9.9% YoY-7.3% QoQ
|
+9.5% | 29.0% | 25.0% | 19.8% | Top 14.9% in tier |
| Indirect Auto % |
4.9%
-30.2% YoY-9.0% QoQ
|
-13.4% | 18.3% | 2.4% | 7.8% | 24% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)