BlastPoint's Credit Union Scorecard

ST. ANNE'S

Charter #67605 · MA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 10 in MA

View Mid-Market leaderboard →

ST. ANNE'S has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 56.9% in tier
+ Organic Growth Leader: Top 60.8% in tier
+ Organic Growth Engine: Top 60.8% in tier
+ Members Per Employee (MPE): Top 4.9% in tier
+ Total Delinquency Rate (60+ days): Top 6.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 37.3% in tier
- ROA 0.11% below tier average
- Efficiency ratio 0.84% above tier (higher cost structure)
- Fee Income Per Member: Bottom 2.9% in tier
- Asset Growth Rate: Bottom 4.2% in tier
- Loan Growth Rate: Bottom 4.2% in tier
- Net Interest Margin (NIM): Bottom 7.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	61,731 +1.2% YoY+0.2% QoQ	-34.3K	96,048 -2.7% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	17%
Assets	$1.3B -4.0% YoY-2.2% QoQ	$-374.7M	$1.7B +0.4% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	34%
Loans	$1.0B -5.8% YoY-3.4% QoQ	$-199.1M	$1.2B +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	40%
Deposits	$1.1B +7.7% YoY+4.1% QoQ	$-344.1M	$1.5B +0.5% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	31%

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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	0.6% +302.6% YoY+72.7% QoQ	-0.1%	0.7% +27.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	45%
NIM	2.5% +22.0% YoY+15.4% QoQ	-0.8%	3.4% +6.2% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 7.5% in tier
Efficiency Ratio	75.5% -13.6% YoY-8.3% QoQ	+0.8%	74.6% -3.0% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	52%
Delinquency Rate	0.2% -26.3% YoY-63.5% QoQ	-0.6	0.8% +6.9% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	Top 6.9% in tier
Loan To Share	90.5% -12.5% YoY-7.2% QoQ	+7.3%	83.2% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	66%
AMR	$34,603 -0.3% YoY+0.2% QoQ	+$5K	$29,652 +2.3% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	81%
CD Concentration	34.7% +9.9% YoY+1.9% QoQ	+5.8%	28.8%	25.2%	19.8%	75%
Indirect Auto %	7.0% +18.2% YoY-2.4% QoQ	-11.0%	18.1%	2.3%	7.7%	31%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#100 of 116 • Top 60.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.21%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 7.04%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#107 of 115 • Top 60.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.21%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.61%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 7.04%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Emerging Performer

growth

#78 of 79 • Top 56.9% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.61%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 1.21%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#148 of 148 • Bottom 37.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.48%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -5.76%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 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 306 peers in tier

Top Strengths (6 metrics)

Members Per Employee (MPE)

engagement

Value: 505.992

Peer Median: 345.077

#16 of 306 Top 4.9% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Median: 0.63%

#22 of 306 Top 6.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.20%

Peer Median: 0.51%

#44 of 306 Top 14.1% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,436

Peer Median: $12,733

#53 of 306 Top 17.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $34,603

Peer Median: $28,178

#59 of 306 Top 19.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 7.70%

Peer Median: 4.44%

#77 of 306 Top 24.8% in 1B-3B tier

Top Weaknesses (9 metrics)

298

Fee Income Per Member

profitability

Value: $70.55

Peer Median: $191.54

#298 of 306 Bottom 2.9% in 1B-3B tier

294

Asset Growth Rate

growth

Value: -3.96%

Peer Median: 4.82%

#294 of 306 Bottom 4.2% in 1B-3B tier

294

Loan Growth Rate

growth

Value: -5.76%

Peer Median: 5.67%

#294 of 306 Bottom 4.2% in 1B-3B tier

283

Net Interest Margin (NIM)

profitability

Value: 2.55%

Peer Median: 3.37%

#283 of 306 Bottom 7.8% in 1B-3B tier

254

Total Members

engagement

Value: 61,731

Peer Median: 85,918

#254 of 306 Bottom 17.3% in 1B-3B tier

250

First Mortgage Concentration (%)

balance_sheet

Value: 45.81%

Peer Median: 33.05%

#250 of 306 Bottom 18.6% in 1B-3B tier

238

Share Certificate Concentration (%)

balance_sheet

Value: 34.68%

Peer Median: 27.93%

#238 of 306 Bottom 22.5% in 1B-3B tier

236

Net Worth Ratio

risk

Value: 9.57%

Peer Median: 10.85%

#236 of 306 Bottom 23.2% in 1B-3B tier

235

AMR Growth Rate

growth

Value: -0.35%

Peer Median: 3.15%

#235 of 306 Bottom 23.5% in 1B-3B tier