BlastPoint's Credit Union Scorecard
ALDEN
Charter #67951 ยท 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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| 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)
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)