BlastPoint's Credit Union Scorecard
ST. ANNE'S
Charter #67605 · MA
ST. ANNE'S has 2 strengths but faces 8 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
- + Relationship Depth Leader: Top 63.4% in tier
- + Members Per Employee (MPE): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 72.8% in tier
- - Stagnation Risk: Bottom 77.7% in tier
- - Membership Headwinds: Bottom 77.7% in tier
- - ROA 0.11% below tier average
- - Fee Income Per Member: Bottom 2.3% in tier
- - Asset Growth Rate: Bottom 2.3% in tier
- - Loan Growth Rate: Bottom 2.7% in tier
- - Net Interest Margin (NIM): Bottom 9.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Massachusetts.
- Shares and deposits +10.0% year over year ($1.13B in shares and deposits).
- Membership: 61,349 members, -0.8% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 0.71%.
- Efficiency ratio 72.89% vs a 73.02% peer average.
- Loan-to-share ratio 88.78% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
61,349
-0.8% YoY-0.6% QoQ
|
-35.5K |
96,861
-1.9% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$1.4B
-3.5% YoY+0.4% QoQ
|
$-373.7M |
$1.7B
+0.4% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$1.0B
-7.5% YoY-1.2% QoQ
|
$-232.0M |
$1.2B
+0.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$1.1B
+10.0% YoY+0.7% QoQ
|
$-334.5M |
$1.5B
+0.5% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
33% |
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| ROA |
0.7%
+209.8% YoY+17.6% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
2.6%
+23.5% YoY+2.9% QoQ
|
-0.8% |
3.4%
+6.6% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.7% in tier |
| Efficiency Ratio |
72.9%
-14.2% YoY-3.4% QoQ
|
-0.1% |
73.0%
-2.7% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.4%
-28.3% YoY+98.4% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
15% |
| Loan To Share |
88.8%
-15.9% YoY-1.9% QoQ
|
+4.1% |
84.7%
+0.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
55% |
| AMR |
$34,737
+1.8% YoY+0.4% QoQ
|
+$5K |
$29,575
+1.5% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
34.5%
+10.3% YoY-0.6% QoQ
|
+5.4% | 29.1% | 25.4% | 20.0% | 74% |
| Indirect Auto % |
6.7%
-7.6% YoY-5.6% QoQ
|
-11.4% | 18.1% | 2.4% | 7.7% | 28% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)