BlastPoint's Credit Union Scorecard

ALLTRUST

Charter #67481 · MA

100M-500M

1070 CUs in 100M-500M nationally 30 in MA

ALLTRUST has 2 strengths but faces 8 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

+ Loan-to-Member Ratio (LMR): Top 3.9% in tier
+ Average Member Relationship (AMR): Top 5.7% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 1.00% below tier average
- Efficiency ratio 29.11% above tier (higher cost structure)
- Delinquency rate 2.87% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	11,512 -5.5% YoY-0.3% QoQ	-3.6K	15,145 -2.5% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	41%
Assets	$291.3M -8.6% YoY-0.8% QoQ	+$59.6M	$231.7M +0.8% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	72%
Loans	$220.6M -9.7% YoY-2.0% QoQ	+$76.5M	$144.1M +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	82%
Deposits	$246.7M -0.8% YoY-0.6% QoQ	+$45.5M	$201.1M +0.4% 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	-0.3% -84.3% YoY-82.1% QoQ	-1.0%	0.7% +5.1% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	Bottom 4.2% in tier
NIM	1.9% +10.4% YoY-0.5% QoQ	-1.7%	3.6% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 0.8% in tier
Efficiency Ratio	107.1% -11.7% YoY-9.7% QoQ	+29.1%	78.0% -1.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 1.5% in tier
Delinquency Rate	3.6% +34.7% YoY-12.0% QoQ	+2.9	0.8% +7.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	Bottom 1.2% in tier
Loan To Share	89.4% -9.0% YoY-1.4% QoQ	+19.0%	70.4% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	Top 12.0% in tier
AMR	$40,593 +0.3% YoY-0.9% QoQ	+$16K	$24,918 +2.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 5.8% in tier
CD Concentration	39.3% -5.4% YoY-2.3% QoQ	+15.0%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#8 of 570 • Bottom 50.0% 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): -5.55%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.75%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 3.65%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#33 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.94% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Institutional Decline

decline

#14 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $291.27M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -5.55%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.75%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#108 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -5.55%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#358 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 107.13%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 1.47% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -5.55%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,165

Peer Median: $9,356

#43 of 1070 Top 3.9% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $40,593

Peer Median: $22,931

#62 of 1070 Top 5.7% in 100M-500M tier

128

Loan-to-Share Ratio

balance_sheet

Value: 89.44%

Peer Median: 71.88%

#128 of 1070 Top 11.9% in 100M-500M tier

194

Total Loans

balance_sheet

Value: $220.63M

Peer Median: $121.41M

#194 of 1070 Top 18.0% in 100M-500M tier

Top Weaknesses (13 metrics)

1061

Net Interest Margin (NIM)

profitability

Value: 1.90%

Peer Median: 3.62%

#1061 of 1070 Bottom 0.9% in 100M-500M tier

1058

Asset Growth Rate

growth

Value: -8.65%

Peer Median: 3.91%

#1058 of 1070 Bottom 1.2% in 100M-500M tier

1058

Total Delinquency Rate (60+ days)

risk

Value: 3.65%

Peer Median: 0.61%

#1058 of 1070 Bottom 1.2% in 100M-500M tier

1055

Efficiency Ratio

profitability

Value: 107.13%

Peer Median: 78.68%

#1055 of 1070 Bottom 1.5% in 100M-500M tier

1041

Loan Growth Rate

growth

Value: -9.75%

Peer Median: 2.93%

#1041 of 1070 Bottom 2.8% in 100M-500M tier

1026

First Mortgage Concentration (%)

balance_sheet

Value: 64.85%

Peer Median: 29.47%

#1026 of 1070 Bottom 4.2% in 100M-500M tier

1025

Return on Assets (ROA)

profitability

Value: -0.27%

Peer Median: 0.69%

#1025 of 1070 Bottom 4.3% in 100M-500M tier

980

Member Growth Rate

growth

Value: -5.55%

Peer Median: -0.06%

#980 of 1070 Bottom 8.5% in 100M-500M tier

979

Share Certificate Concentration (%)

balance_sheet

Value: 39.32%

Peer Median: 23.10%

#979 of 1070 Bottom 8.6% in 100M-500M tier

978

Net Worth Ratio

risk

Value: 8.58%

Peer Median: 11.45%

#978 of 1070 Bottom 8.7% in 100M-500M tier