BlastPoint's Credit Union Scorecard
JEANNE D'ARC
Charter #67352 · MA
JEANNE D'ARC has 5 strengths but faces 8 concerns
How does the industry compare?
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 22.3% in tier
- + Organic Growth Leader: Top 30.4% in tier
- + Organic Growth Engine: Top 31.9% in tier
- + Net Charge-Off Rate: Top 3.3% in tier
- + Total Delinquency Rate (60+ days): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4.0% in tier
- - Liquidity Strain: Bottom 17.4% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 13.29% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 3.9% in tier
- - Net Worth Ratio: Bottom 7.2% in tier
- - Share Certificate Concentration (%): Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
103,920
+1.3% YoY+0.0% QoQ
|
+5.2K |
98,678
-1.9% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$2.2B
+1.4% YoY-1.6% QoQ
|
+$503.5M |
$1.7B
+0.5% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$1.8B
-0.1% YoY-0.5% QoQ
|
+$552.4M |
$1.2B
+0.5% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$1.8B
+2.1% YoY-2.1% QoQ
|
+$304.6M |
$1.5B
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
72% |
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| ROA |
0.3%
+78.2% YoY-7.3% QoQ
|
-0.4% |
0.7%
+13.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
2.1%
+14.7% YoY+3.5% QoQ
|
-1.2% |
3.3%
+9.3% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
87.3%
-3.3% YoY+0.8% QoQ
|
+13.3% |
74.0%
-10.9% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 4.3% in tier |
| Delinquency Rate |
0.2%
-30.1% YoY-32.7% QoQ
|
-0.6 |
0.8%
+6.1% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Bottom 5.3% in tier |
| Loan To Share |
101.5%
-2.1% YoY+1.6% QoQ
|
+16.3% |
85.2%
-0.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 12.8% in tier |
| AMR |
$34,107
-0.3% YoY-1.3% QoQ
|
+$5K |
$29,172
+2.8% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
41.6%
-1.5% YoY-1.0% QoQ
|
+12.6% |
29.0%
+0.7% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
Top 9.2% in tier |
| Indirect Auto % |
5.4%
-30.5% YoY-8.9% QoQ
|
-13.4% |
18.8%
-3.0% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
25% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
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.
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)