BlastPoint's Credit Union Scorecard

JEANNE D'ARC

Charter #67352 · MA

Mid-Market 1B-3B

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

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JEANNE D'ARC has 4 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 6.0% in tier
+ Loan-to-Share Ratio: Top 7.0% in tier
+ Total Delinquency Rate (60+ days): Top 9.7% in tier
+ Loan-to-Member Ratio (LMR): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 8.5% in tier
- Liquidity Strain: Bottom 8.5% in tier
- Efficiency Drag: Bottom 10.1% in tier
- Institutional Decline: Bottom 38.9% in tier
- Credit Quality Pressure: Bottom 55.6% in tier
- Stagnation Risk: Bottom 81.7% in tier
- Accelerating Exit Risk: Bottom 81.7% in tier
- Membership Headwinds: Bottom 81.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Massachusetts.
Shares and deposits -4.6% year over year ($1.71B in shares and deposits).
Membership: 102,484 members, -1.4% vs a year ago.
Delinquency rate 0.30%.
Return on assets 0.43%.
Efficiency ratio 84.35% vs a 73.02% peer average.
Loan-to-share ratio 103.80% vs a 84.71% 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	102,484 -1.4% YoY+0.8% QoQ	+5.6K	96,861 -1.9% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	64%
Assets	$2.2B -2.9% YoY+0.2% QoQ	+$467.6M	$1.7B +0.4% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	76%
Loans	$1.8B -0.9% YoY+0.7% QoQ	+$545.1M	$1.2B +0.7% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	83%
Deposits	$1.7B -4.6% YoY-0.6% QoQ	+$250.9M	$1.5B +0.5% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	69%

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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% +24.4% YoY+18.6% QoQ	-0.4%	0.8% +27.6% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	20%
NIM	2.5% +25.7% YoY+1.8% QoQ	-0.9%	3.4% +6.6% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	Bottom 6.0% in tier
Efficiency Ratio	84.4% -2.6% YoY-2.1% QoQ	+11.3%	73.0% -2.7% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	Bottom 11.0% in tier
Delinquency Rate	0.3% +3.7% YoY+55.7% QoQ	-0.6	0.9% +7.3% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	Top 9.7% in tier
Loan To Share	103.8% +3.9% YoY+1.3% QoQ	+19.1%	84.7% +0.1% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	Top 7.3% in tier
AMR	$34,089 -1.4% YoY-0.7% QoQ	+$5K	$29,575 +1.5% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	79%
CD Concentration	37.3% -11.3% YoY-2.3% QoQ	+8.2%	29.1%	25.4%	20.0%	84%
Indirect Auto %	4.8% -18.7% YoY+1.0% QoQ	-13.3%	18.1%	2.4%	7.7%	24%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (9)

Efficiency Drag

risk

#17 of 71 • Bottom 10.1% in tier

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

Why This Signature

Efficiency Ratio: 84.35%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.09% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -1.35%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Capital Constraint

risk

#3 of 7 • Bottom 8.5% 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: 103.80%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Deposit Growth (YoY): -4.59%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 9.12%

(Tier: 11.45%, National: 14.66%)

worse than tier avg

7 of 377 Mid-Market CUs have this signature | 27 nationally

→ Stable (9→7 CUs) -2 CUs YoY | New qualifier

Liquidity Strain

risk

#80 of 168 • Bottom 8.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 103.80%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -0.87%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline

#18 of 25 • Bottom 38.9% 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: $593.11M)

but better than tier avg

Member Growth (YoY): -1.35%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.87%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

25 of 377 Mid-Market CUs have this signature | 261 nationally

↓ Shrinking -12 CUs YoY | New qualifier

Stagnation Risk

risk

#64 of 86 • Bottom 81.7% 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): -1.35%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.87%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.30%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#5 of 6 • Bottom 81.7% in tier

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

Why This Signature

Member Growth (YoY): -1.35%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -1.39%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

6 of 377 Mid-Market CUs have this signature | 53 nationally

→ Stable (10→6 CUs) -4 CUs YoY | New qualifier

Membership Headwinds

decline

#69 of 86 • Bottom 81.7% in tier

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

Why This Signature

Member Growth (YoY): -1.35%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#56 of 69 • Bottom 85.2% in tier

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

Why This Signature

AMR Growth (YoY): -1.39%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | New qualifier

Credit Quality Pressure

risk

#207 of 215 • Bottom 55.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 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 300 peers in tier

Top Strengths (7 metrics)

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: 0.52%

#19 of 300 Top 6.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 103.80%

Peer Median: 87.07%

#22 of 300 Top 7.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Median: 0.70%

#30 of 300 Top 9.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,362

Peer Median: $12,809

#30 of 300 Top 9.7% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.78B

Peer Median: $1.14B

#50 of 300 Top 16.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $34,089

Peer Median: $28,089

#64 of 300 Top 21.0% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.19B

Peer Median: $1.51B

#71 of 300 Top 23.3% in 1B-3B tier

Top Weaknesses (12 metrics)

294

Deposit Growth Rate

growth

Value: -4.59%

Peer Median: 4.79%

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

294

First Mortgage Concentration (%)

balance_sheet

Value: 70.13%

Peer Median: 33.59%

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

290

Asset Growth Rate

growth

Value: -2.94%

Peer Median: 5.21%

#290 of 300 Bottom 3.7% in 1B-3B tier

282

Net Interest Margin (NIM)

profitability

Value: 2.51%

Peer Median: 3.46%

#282 of 300 Bottom 6.3% in 1B-3B tier

268

Efficiency Ratio

profitability

Value: 84.35%

Peer Median: 73.62%

#268 of 300 Bottom 11.0% in 1B-3B tier

264

Net Worth Ratio

risk

Value: 9.12%

Peer Median: 10.91%

#264 of 300 Bottom 12.3% in 1B-3B tier

263

Share Certificate Concentration (%)

balance_sheet

Value: 37.28%

Peer Median: 28.24%

#263 of 300 Bottom 12.7% in 1B-3B tier

258

Loan Growth Rate

growth

Value: -0.87%

Peer Median: 5.71%

#258 of 300 Bottom 14.3% in 1B-3B tier

253

AMR Growth Rate

growth

Value: -1.39%

Peer Median: 3.19%

#253 of 300 Bottom 16.0% in 1B-3B tier

244

Fee Income Per Member

profitability

Value: $152.93

Peer Median: $204.73

#244 of 300 Bottom 19.0% in 1B-3B tier