BlastPoint's Credit Union Scorecard
ALLCOM
Charter #67599 · MA
ALLCOM has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 4.3% in tier
- + Loan-to-Member Ratio (LMR): Top 4.8% in tier
- + Total Assets: Top 6.6% in tier
- + Total Deposits: Top 6.9% in tier
- + Total Loans: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.34% above tier (higher cost structure)
- - Member decline: -2.0% YoY
- - First Mortgage Concentration (%): Bottom 2.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,838
-2.0% YoY-1.4% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$83.3M
+5.4% YoY+1.5% QoQ
|
+$53.1M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Top 6.6% in tier |
| Loans |
$45.6M
+1.5% YoY-0.2% QoQ
|
+$29.8M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Top 7.4% in tier |
| Deposits |
$69.8M
+5.1% YoY+1.9% QoQ
|
+$44.1M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 6.9% in tier |
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| ROA |
0.6%
-5.9% YoY-1.8% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.1%
-1.3% YoY+0.3% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
82.9%
+1.0% YoY+0.5% QoQ
|
+0.3% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.0%
-56.3% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Top 14.7% in tier |
| Loan To Share |
65.3%
-3.4% YoY-2.1% QoQ
|
+4.7% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$30,051
+5.8% YoY+2.5% QoQ
|
+$15K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 4.3% in tier |
| CD Concentration |
22.0%
+3.4% YoY+0.8% QoQ
|
-2.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)