BlastPoint's Credit Union Scorecard

ALDEN

Charter #67951 ยท MA

1077 CUs in 100M-500M nationally 32 in MA

ALDEN has 2 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Loan-to-Share Ratio: Top 4.3% in tier
  • + Members Per Employee (MPE): Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.1% in tier
  • - Efficiency Drag: Bottom 4.1% in tier
  • - Membership Headwinds: Bottom 10.9% in tier
  • - Credit Risk Growth: Bottom 13.8% in tier
  • - Liquidity Strain: Bottom 15.0% in tier
  • - Stagnation Risk: Bottom 23.5% in tier
  • - ROA 0.63% below tier average
  • - Efficiency ratio 15.47% above tier (higher cost structure)
  • - Delinquency rate 0.21% above tier average
  • - Member decline: -3.8% YoY
  • - Deposit Growth Rate: Bottom 1.5% in tier
  • - Net Interest Margin (NIM): Bottom 2.1% in tier
  • - First Mortgage Concentration (%): Bottom 2.2% in tier
  • - Asset Growth Rate: Bottom 7.6% in tier
  • - Net Worth Ratio: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 13,085
-3.8% YoY-0.9% QoQ
-2.5K 15,628
-3.4% YoY
27,447
+2.6% YoY
33,089
+6.1% YoY
48%
Assets $192.1M
-2.7% YoY+1.8% QoQ
$-39.2M $231.3M
-0.0% YoY
$440.2M
+4.2% YoY
$547.7M
+7.8% YoY
49%
Loans $146.3M
+2.0% YoY+1.7% QoQ
$-1.5M $147.8M
-1.4% YoY
$341.2M
+2.4% YoY
$388.7M
+8.6% YoY
59%
Deposits $148.9M
-8.6% YoY-1.6% QoQ
$-51.3M $200.3M
-0.0% YoY
$366.8M
+5.5% YoY
$464.6M
+9.3% YoY
41%

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Tier 1
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ROA 0.2%
+33.1% YoY+19.6% QoQ
-0.6% 0.8%
+15.5% YoY
0.7%
+17.3% YoY
0.7%
+273.4% YoY
Bottom 12.0% in tier
NIM 1.9%
+22.8% YoY+0.8% QoQ
-1.7% 3.6%
+6.9% YoY
3.3%
+3.8% YoY
3.7%
+5.0% YoY
Bottom 2.0% in tier
Efficiency Ratio 92.7%
+0.1% YoY-0.2% QoQ
+15.5% 77.3%
-3.0% YoY
80.4%
-4.7% YoY
79.1%
-3.3% YoY
Top 6.9% in tier
Delinquency Rate 1.1%
+222.4% YoY+32.7% QoQ
+0.2 0.9%
+7.6% YoY
0.9%
-6.0% YoY
1.2%
-0.9% YoY
73%
Loan To Share 98.3%
+11.6% YoY+3.4% QoQ
+25.6% 72.7%
-1.5% YoY
74.2%
-1.7% YoY
68.0%
-1.7% YoY
Top 4.4% in tier
AMR $22,567
+0.1% YoY+1.0% QoQ
$-2K $24,363
+2.9% YoY
$24,707
+3.7% YoY
$19,418
+1.3% YoY
51%
CD Concentration 37.6%
+5.8% YoY+2.6% QoQ
+13.2% 24.4%
+4.2% YoY
24.8%
+8.8% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 4.1%
-45.2% YoY-31.1% QoQ
-9.9% 14.0%
-5.7% YoY
2.6%
-15.5% YoY
7.9%
-2.9% YoY
50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk
#77 of 736 โ€ข Bottom 3.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.74% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
โ†“ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk
#73 of 521 โ€ข Bottom 4.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 92.75%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.04% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -3.81%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
โ†“ Shrinking -113 CUs YoY

Membership Headwinds

decline
#180 of 550 โ€ข Bottom 10.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -3.81%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
โ†’ Stable (555โ†’550 CUs) -5 CUs YoY | Rank improving

Credit Risk Growth

risk
#207 of 446 โ€ข Bottom 13.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.98%
(Tier: 3.65%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.74% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
โ†“ Shrinking -77 CUs YoY | New qualifier

Liquidity Strain

risk
#117 of 258 โ€ข Bottom 15.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 98.26%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.98%
(Tier: 3.65%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
โ†“ Shrinking -28 CUs YoY | New qualifier

Stagnation Risk

risk
#388 of 550 โ€ข Bottom 23.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -3.81%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): 1.98%
(Tier: 3.65%, National: 36.38%)
worse than tier avg
Delinquency Rate: 1.07%
(Tier: 0.85%, National: 1.23%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
โ†’ Stable (555โ†’550 CUs) -5 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

47
Loan-to-Share Ratio
balance_sheet
Value: 98.26%
Peer Avg: -
#47 of 1077 Top 4.3% in 100M-500M tier
75
Members Per Employee (MPE)
engagement
Value: 484.630
Peer Avg: -
#75 of 1077 Top 6.9% in 100M-500M tier
120
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: -
#120 of 1077 Top 11.0% in 100M-500M tier

Top Weaknesses (11 metrics)

1062
Deposit Growth Rate
growth
Value: -8.63%
Peer Avg: -
#1062 of 1077 Bottom 1.5% in 100M-500M tier
1055
Net Interest Margin (NIM)
profitability
Value: 1.93%
Peer Avg: -
#1055 of 1077 Bottom 2.1% in 100M-500M tier
1054
First Mortgage Concentration (%)
balance_sheet
Value: 69.37%
Peer Avg: -
#1054 of 1077 Bottom 2.2% in 100M-500M tier
1004
Efficiency Ratio
profitability
Value: 92.75%
Peer Avg: -
#1004 of 1077 Bottom 6.9% in 100M-500M tier
996
Asset Growth Rate
growth
Value: -2.69%
Peer Avg: -
#996 of 1077 Bottom 7.6% in 100M-500M tier
973
Net Worth Ratio
risk
Value: 8.73%
Peer Avg: -
#973 of 1077 Bottom 9.7% in 100M-500M tier
964
Share Certificate Concentration (%)
balance_sheet
Value: 37.57%
Peer Avg: -
#964 of 1077 Bottom 10.6% in 100M-500M tier
948
Return on Assets (ROA)
profitability
Value: 0.16%
Peer Avg: -
#948 of 1077 Bottom 12.1% in 100M-500M tier
923
Member Growth Rate
growth
Value: -3.81%
Peer Avg: -
#923 of 1077 Bottom 14.4% in 100M-500M tier
883
Fee Income Per Member
profitability
Value: $106.06
Peer Avg: -
#883 of 1077 Bottom 18.1% in 100M-500M tier
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