BlastPoint's Credit Union Scorecard

ALLTRUST

Charter #67481 · MA

1069 CUs in 100M-500M nationally 32 in MA

ALLTRUST has 5 strengths but faces 18 concerns

National Analysis

How does the industry compare?
MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 83.5% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 4.1% in tier
  • + Net Charge-Off Rate: Top 5.1% in tier
  • + Average Member Relationship (AMR): Top 5.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.3% in tier
  • - Stagnation Risk: Bottom 0.9% in tier
  • - Institutional Decline: Bottom 6.3% in tier
  • - Membership Headwinds: Bottom 18.8% in tier
  • - Efficiency Drag: Bottom 59.4% in tier
  • - Liquidity Strain: Bottom 99.6% in tier
  • - ROA 2.29% below tier average
  • - Efficiency ratio 41.59% above tier (higher cost structure)
  • - Delinquency rate 3.25% above tier average
  • - Member decline: -5.8% YoY
  • - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
  • - Asset Growth Rate: Bottom 1.3% in tier
  • - Net Interest Margin (NIM): Bottom 1.9% in tier
  • - Loan Growth Rate: Bottom 3.7% in tier
  • - First Mortgage Concentration (%): Bottom 4.2% in tier
  • - Share Certificate Concentration (%): Bottom 7.6% in tier
  • - Member Growth Rate: Bottom 8.1% in tier
  • - Net Worth Ratio: Bottom 8.5% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 11,547
-5.8% YoY-3.9% QoQ
 -3.9K 15,437
-2.9% YoY
 27,118
+2.4% YoY
 33,374
+5.7% YoY
 40%
Assets $293.5M
-7.1% YoY-3.4% QoQ
 +$61.6M $231.9M
+1.3% YoY
 $450.6M
+5.5% YoY
 $561.6M
+9.7% YoY
 72%
Loans $225.0M
-9.2% YoY-2.2% QoQ
 +$77.7M $147.3M
-0.1% YoY
 $346.1M
+3.6% YoY
 $397.0M
+8.8% YoY
 81%
Deposits $248.1M
+2.3% YoY+0.5% QoQ
 +$47.3M $200.8M
+0.8% YoY
 $377.7M
+7.2% YoY
 $477.3M
+9.7% YoY
 71%

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ROA -1.5%
+3135.3% YoY+6.9% QoQ
 -2.3% 0.8%
+18.2% YoY
 0.6%
+6.8% YoY
 0.7%
+15.9% YoY
 Bottom 0.7% in tier
NIM 1.9%
-3.0% YoY+2.7% QoQ
 -1.7% 3.6%
+6.7% YoY
 3.3%
+4.1% YoY
 3.8%
+5.1% YoY
 Bottom 1.8% in tier
Efficiency Ratio 118.6%
+20.0% YoY+2.3% QoQ
 +41.6% 77.0%
-3.1% YoY
 81.2%
-12.2% YoY
 79.7%
-3.3% YoY
 Top 0.7% in tier
Delinquency Rate 4.1%
+247.2% YoY+7.9% QoQ
 +3.3 0.9%
+4.2% YoY
 0.9%
+13.0% YoY
 1.3%
-2.1% YoY
 Top 0.9% in tier
Loan To Share 90.7%
-11.2% YoY-2.7% QoQ
 +18.5% 72.2%
-1.1% YoY
 73.5%
-2.0% YoY
 67.4%
-1.7% YoY
 Top 12.9% in tier
AMR $40,972
+2.4% YoY+3.3% QoQ
 +$16K $24,676
+3.4% YoY
 $25,262
+4.8% YoY
 $19,687
+2.0% YoY
 Top 5.7% in tier
CD Concentration 40.3%
-4.0% YoY-0.9% QoQ
 +15.8% 24.4% 25.0% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 2.4% 7.8% 50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth
#224 of 268 • Top 83.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 2.41%
(Tier: 4.17%, National: 4.00%)
but worse than tier avg
Share Draft per Member: $3.5K
(Tier: $2.9K, National: $2.0K)
better than tier avg
268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally
↑ Growing +46 CUs YoY | New qualifier

Concerns (6)

Credit Quality Pressure

risk
#3 of 705 • Bottom 0.3% in tier

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

Why This Signature
Delinquency Change (YoY): 2.95% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | New qualifier

Stagnation Risk

risk
#6 of 554 • Bottom 0.9% 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): -5.78%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -9.20%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Rate: 4.14%
(Tier: 0.89%, National: 1.28%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline
#16 of 240 • Bottom 6.3% in tier

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

Why This Signature
Total Assets: $293.50M
(Tier: $334.15M, National: $561.61M)
worse than tier avg
Member Growth (YoY): -5.78%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -9.20%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally
→ No prior data (240 CUs now) | New qualifier

Membership Headwinds

decline
#105 of 554 • Bottom 18.8% in tier

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

Why This Signature
Member Growth (YoY): -5.78%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk
#320 of 538 • Bottom 59.4% in tier

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

Why This Signature
Efficiency Ratio: 118.61%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -1.48% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): -5.78%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | Rank worsening

Liquidity Strain

risk
#227 of 228 • Bottom 99.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 90.71%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): -9.20%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally
↓ Shrinking -37 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)

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 1069 Top 0.0% in 100M-500M tier
45
Loan-to-Member Ratio (LMR)
engagement
Value: $19,488
Peer Median: -
#45 of 1069 Top 4.1% in 100M-500M tier
55
Net Charge-Off Rate
risk
Value: 0.03%
Peer Median: -
#55 of 1069 Top 5.1% in 100M-500M tier
61
Average Member Relationship (AMR)
engagement
Value: $40,972
Peer Median: -
#61 of 1069 Top 5.6% in 100M-500M tier
138
Loan-to-Share Ratio
balance_sheet
Value: 90.71%
Peer Median: -
#138 of 1069 Top 12.8% in 100M-500M tier
200
Total Loans
balance_sheet
Value: $225.03M
Peer Median: -
#200 of 1069 Top 18.6% in 100M-500M tier

Top Weaknesses (11 metrics)

1063
Efficiency Ratio
profitability
Value: 118.61%
Peer Median: -
#1063 of 1069 Bottom 0.7% in 100M-500M tier
1061
Return on Assets (ROA)
profitability
Value: -1.53%
Peer Median: -
#1061 of 1069 Bottom 0.8% in 100M-500M tier
1060
Total Delinquency Rate (60+ days)
risk
Value: 4.14%
Peer Median: -
#1060 of 1069 Bottom 0.9% in 100M-500M tier
1056
Asset Growth Rate
growth
Value: -7.12%
Peer Median: -
#1056 of 1069 Bottom 1.3% in 100M-500M tier
1050
Net Interest Margin (NIM)
profitability
Value: 1.91%
Peer Median: -
#1050 of 1069 Bottom 1.9% in 100M-500M tier
1030
Loan Growth Rate
growth
Value: -9.20%
Peer Median: -
#1030 of 1069 Bottom 3.7% in 100M-500M tier
1025
First Mortgage Concentration (%)
balance_sheet
Value: 64.50%
Peer Median: -
#1025 of 1069 Bottom 4.2% in 100M-500M tier
989
Share Certificate Concentration (%)
balance_sheet
Value: 40.26%
Peer Median: -
#989 of 1069 Bottom 7.6% in 100M-500M tier
983
Member Growth Rate
growth
Value: -5.78%
Peer Median: -
#983 of 1069 Bottom 8.1% in 100M-500M tier
979
Net Worth Ratio
risk
Value: 8.58%
Peer Median: -
#979 of 1069 Bottom 8.5% in 100M-500M tier
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