BlastPoint's Credit Union Scorecard

ST. JEAN'S

Charter #67959 · MA

100M-500M

1024 CUs in 100M-500M nationally 32 in MA

ST. JEAN'S has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.57% below tier average
- Efficiency ratio 13.25% above tier (higher cost structure)
- Member decline: -3.2% YoY

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
Shares and deposits -2.7% year over year ($326M in shares and deposits).
Membership: 18,167 members, -3.2% vs a year ago.
Delinquency rate 0.54%.
Return on assets 0.29%.
Efficiency ratio 89.98% vs a 76.73% peer average.
Loan-to-share ratio 78.75% vs a 71.54% 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	18,167 -3.2% YoY+0.1% QoQ	+3.0K	15,168 -2.6% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	70%
Assets	$372.5M -4.3% YoY-1.3% QoQ	+$140.5M	$232.0M +0.7% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	Top 14.6% in tier
Loans	$256.8M +0.8% YoY+2.8% QoQ	+$110.5M	$146.3M +0.2% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	Top 11.9% in tier
Deposits	$326.0M -2.7% YoY-0.9% QoQ	+$125.3M	$200.7M +0.2% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	Top 14.1% in tier

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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	0.3% -22.6% YoY+0.6% QoQ	-0.6%	0.9% +12.5% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	Bottom 13.8% in tier
NIM	2.9% +6.1% YoY+2.4% QoQ	-0.8%	3.7% +4.5% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	Bottom 9.6% in tier
Efficiency Ratio	90.0% +2.5% YoY-4.5% QoQ	+13.2%	76.7% -0.8% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	Bottom 11.4% in tier
Delinquency Rate	0.5% +45.8% YoY+142.8% QoQ	-0.3	0.9% +6.6% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	40%
Loan To Share	78.8% +3.5% YoY+3.7% QoQ	+7.2%	71.5% -0.3% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	61%
AMR	$32,079 +2.1% YoY+0.5% QoQ	+$7K	$25,107 +3.2% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	85%
CD Concentration	35.8% -2.7% YoY-2.5% QoQ	+11.3%	24.6%	25.4%	20.0%	50%
Indirect Auto %	6.8% -3.7% YoY+1.1% QoQ	-6.8%	13.6%	2.4%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#229 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.13%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $2.8K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (5)

Efficiency Drag

risk

#95 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 89.98%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.08% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -3.22%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Membership Headwinds

decline

#232 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -3.22%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Stagnation Risk

risk

#268 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.22%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 0.80%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.54%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#374 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Credit Risk Growth

risk

#414 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 0.80%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (6 metrics)

122

Total Loans

balance_sheet

Value: $256.76M

Peer Median: $124.04M

#122 of 1024 Top 11.8% in 100M-500M tier

144

Total Deposits

balance_sheet

Value: $326.03M

Peer Median: $170.77M

#144 of 1024 Top 14.0% in 100M-500M tier

149

Total Assets

balance_sheet

Value: $372.54M

Peer Median: $196.38M

#149 of 1024 Top 14.5% in 100M-500M tier

155

Average Member Relationship (AMR)

engagement

Value: $32,079

Peer Median: $23,006

#155 of 1024 Top 15.0% in 100M-500M tier

155

Loan-to-Member Ratio (LMR)

engagement

Value: $14,133

Peer Median: $9,434

#155 of 1024 Top 15.0% in 100M-500M tier

253

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: 0.34%

#253 of 1024 Top 24.6% in 100M-500M tier

Top Weaknesses (10 metrics)

993

Asset Growth Rate

growth

Value: -4.26%

Peer Median: 4.12%

#993 of 1024 Bottom 3.1% in 100M-500M tier

941

Deposit Growth Rate

growth

Value: -2.65%

Peer Median: 3.58%

#941 of 1024 Bottom 8.2% in 100M-500M tier

926

Net Interest Margin (NIM)

profitability

Value: 2.87%

Peer Median: 3.67%

#926 of 1024 Bottom 9.7% in 100M-500M tier

911

First Mortgage Concentration (%)

balance_sheet

Value: 53.07%

Peer Median: 29.92%

#911 of 1024 Bottom 11.1% in 100M-500M tier

908

Efficiency Ratio

profitability

Value: 89.98%

Peer Median: 77.26%

#908 of 1024 Bottom 11.4% in 100M-500M tier

883

Return on Assets (ROA)

profitability

Value: 0.29%

Peer Median: 0.75%

#883 of 1024 Bottom 13.9% in 100M-500M tier

883

Share Certificate Concentration (%)

balance_sheet

Value: 35.83%

Peer Median: 23.39%

#883 of 1024 Bottom 13.9% in 100M-500M tier

836

Member Growth Rate

growth

Value: -3.22%

Peer Median: -0.03%

#836 of 1024 Bottom 18.5% in 100M-500M tier

790

Net Worth Ratio

risk

Value: 9.84%

Peer Median: 11.71%

#790 of 1024 Bottom 22.9% in 100M-500M tier

787

Fee Income Per Member

profitability

Value: $114.37

Peer Median: $159.88

#787 of 1024 Bottom 23.2% in 100M-500M tier