BlastPoint's Credit Union Scorecard

ALPHA

Charter #67872 · MA

<100M

2508 CUs in <100M nationally 66 in MA

ALPHA has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.96% above tier average
+ Net Interest Margin 0.51% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.5% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	3,765 -3.5% YoY-0.6% QoQ	+1.1K	2,676 +1.6% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	77%
Assets	$35.1M +1.0% YoY+0.8% QoQ	+$4.9M	$30.2M +1.3% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	65%
Loans	$18.9M -1.0% YoY-0.6% QoQ	+$3.6M	$15.3M -2.0% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	69%
Deposits	$28.3M -1.6% YoY+0.0% QoQ	+$2.5M	$25.8M +0.7% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	62%

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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	2.1% +67.5% YoY+23.8% QoQ	+2.0%	0.1% -77.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	Top 5.3% in tier
NIM	4.5% +4.0% YoY-1.6% QoQ	+0.5%	4.0% +4.0% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	77%
Efficiency Ratio	66.5% -2.4% YoY+7.0% QoQ	-24.1%	90.6% +6.5% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	20%
Delinquency Rate	0.2% -70.7% YoY+178.2% QoQ	-1.3	1.5% +3.8% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	26%
Loan To Share	66.9% +0.6% YoY-0.6% QoQ	+8.4%	58.5% -3.0% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	62%
AMR	$12,544 +2.1% YoY+0.4% QoQ	$-2K	$14,884 -1.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	42%
CD Concentration	0.0%	-24.3%	24.3%	25.2%	19.8%	50%
Indirect Auto %	2.4% -48.5% YoY-15.4% QoQ	-11.4%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

134

Return on Assets (ROA)

profitability

Value: 2.11%

Peer Median: 0.61%

#134 of 2508 Top 5.3% in <100M tier

288

Members Per Employee (MPE)

engagement

Value: 537.857

Peer Median: 333.750

#288 of 2508 Top 11.4% in <100M tier

504

Efficiency Ratio

profitability

Value: 66.53%

Peer Median: 81.45%

#504 of 2508 Top 20.1% in <100M tier

568

Net Interest Margin (NIM)

profitability

Value: 4.52%

Peer Median: 3.83%

#568 of 2508 Top 22.6% in <100M tier

582

Total Members

engagement

Value: 3,765

Peer Median: 1,918

#582 of 2508 Top 23.2% in <100M tier

Top Weaknesses (1 metrics)

2197

Indirect Auto Concentration (%)

balance_sheet

Value: 2.40%

Peer Median: 0.00%

#2197 of 2508 Bottom 12.4% in <100M tier