BlastPoint's Credit Union Scorecard
ST. JEAN'S
Charter #67959 · MA
ST. JEAN'S has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 56.5% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 22.5% in tier
- - Efficiency Drag: Bottom 24.4% in tier
- - Membership Headwinds: Bottom 43.8% in tier
- - Stagnation Risk: Bottom 52.1% in tier
- - Credit Quality Pressure: Bottom 90.1% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 9.71% above tier (higher cost structure)
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,191
-3.1% YoY-0.2% QoQ
|
+2.8K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$378.6M
-0.0% YoY+0.1% QoQ
|
+$146.8M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Top 14.2% in tier |
| Loans |
$250.8M
+0.2% YoY-1.3% QoQ
|
+$103.4M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Top 13.9% in tier |
| Deposits |
$327.7M
+2.1% YoY+0.8% QoQ
|
+$126.9M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 13.8% in tier |
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| ROA |
0.4%
-13.1% YoY-8.0% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
2.8%
+4.4% YoY+1.1% QoQ
|
-0.8% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.0% in tier |
| Efficiency Ratio |
86.7%
-0.0% YoY+1.0% QoQ
|
+9.7% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.5%
+6.6% YoY+42.5% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
76.5%
-1.8% YoY-2.1% QoQ
|
+4.3% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$31,801
+4.6% YoY+0.1% QoQ
|
+$7K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 14.2% in tier |
| CD Concentration |
37.0%
+2.6% YoY-0.9% QoQ
|
+12.6% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % |
6.9%
-13.2% YoY+0.3% QoQ
|
-6.9% | 13.8% | 2.4% | 7.8% | 50% |
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 (5)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)