BlastPoint's Credit Union Scorecard
ST. ANNE'S
Charter #67605 · MA
ST. ANNE'S has 8 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 10.7% in tier
- + Organic Growth Engine: Top 21.1% in tier
- + Credit Quality Leader: Top 74.5% in tier
- + Relationship Depth Leader: Top 78.8% in tier
- + Strong member growth: 5.4% YoY
- + Net Charge-Off Rate: Top 6.2% in tier
- + Loan-to-Share Ratio: Top 8.6% in tier
- + Loan Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.5% in tier
- - Efficiency Drag: Bottom 11.2% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 9.90% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 2.3% in tier
- - Net Interest Margin (NIM): Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
61,603
+5.4% YoY-0.3% QoQ
|
-37.1K |
98,678
-1.9% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$1.4B
+9.0% YoY-0.8% QoQ
|
$-330.3M |
$1.7B
+0.5% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
37% |
| Loans |
$1.1B
+13.8% YoY-0.2% QoQ
|
$-152.3M |
$1.2B
+0.5% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
47% |
| Deposits |
$1.0B
+3.7% YoY+2.1% QoQ
|
$-406.4M |
$1.5B
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
0.3%
+33.7% YoY+24.8% QoQ
|
-0.4% |
0.7%
+13.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.5% in tier |
| NIM |
2.2%
+1.1% YoY+1.6% QoQ
|
-1.1% |
3.3%
+9.3% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.3% in tier |
| Efficiency Ratio |
83.9%
-4.4% YoY-1.3% QoQ
|
+9.9% |
74.0%
-10.9% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 10.5% in tier |
| Delinquency Rate |
0.4%
-31.4% YoY-26.5% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
103.1%
+9.7% YoY-2.3% QoQ
|
+17.9% |
85.2%
-0.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 8.9% in tier |
| AMR |
$34,555
+3.0% YoY+1.3% QoQ
|
+$5K |
$29,172
+2.8% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration |
32.8%
+2.7% YoY+5.1% QoQ
|
+3.9% |
29.0%
+0.7% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
69% |
| Indirect Auto % |
7.5%
+269.8% YoY+3.7% QoQ
|
-11.3% |
18.8%
-3.0% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
29% |
Signature Analysis
Strengths (4)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)