BlastPoint's Credit Union Scorecard

NAVEO

Charter #68046 · MA

100M-500M

1070 CUs in 100M-500M nationally 30 in MA

NAVEO has 5 strengths 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
+ Wallet Share Momentum: Top 50.0% in tier
+ Average Member Relationship (AMR): Top 6.1% in tier
+ Loan-to-Member Ratio (LMR): Top 7.2% in tier
+ Net Charge-Off Rate: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.38% below tier average
- Efficiency ratio 12.27% above tier (higher cost structure)
- Delinquency rate 0.17% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	6,681 -4.1% YoY-0.3% QoQ	-8.5K	15,145 -2.5% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	Bottom 9.4% in tier
Assets	$174.6M +1.1% YoY+1.3% QoQ	$-57.1M	$231.7M +0.8% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	41%
Loans	$110.7M +4.6% YoY+1.4% QoQ	$-33.5M	$144.1M +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	44%
Deposits	$153.4M -0.7% YoY+1.4% QoQ	$-47.7M	$201.1M +0.4% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	42%

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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% +320.3% YoY+83.1% QoQ	-0.4%	0.7% +5.1% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	26%
NIM	3.6% +12.5% YoY+8.1% QoQ	-0.1%	3.6% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	90.3% -7.1% YoY-3.9% QoQ	+12.3%	78.0% -1.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 14.4% in tier
Delinquency Rate	0.9% +1771.9% YoY+154.0% QoQ	+0.2	0.8% +7.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	73%
Loan To Share	72.1% +5.4% YoY+0.0% QoQ	+1.7%	70.4% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	51%
AMR	$39,533 +5.8% YoY+1.7% QoQ	+$15K	$24,918 +2.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 6.2% in tier
CD Concentration	24.4% -0.0% YoY-2.4% QoQ	+0.1%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#111 of 257 • 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): 5.81%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $5.7K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#400 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.81%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#38 of 727 • 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): 0.89% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#105 of 476 • 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): 4.63%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.89% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Membership Headwinds

decline

#173 of 570 • 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): -4.13%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#222 of 570 • 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): -4.13%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 4.63%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.94%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#290 of 596 • 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: 90.30%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.26% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -4.13%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $39,533

Peer Median: $22,931

#66 of 1070 Top 6.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,566

Peer Median: $9,356

#78 of 1070 Top 7.2% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.35%

#87 of 1070 Top 8.0% in 100M-500M tier

Top Weaknesses (9 metrics)

986

Members Per Employee (MPE)

engagement

Value: 215.516

Peer Median: 309.176

#986 of 1070 Bottom 7.9% in 100M-500M tier

980

Net Worth Ratio

risk

Value: 8.56%

Peer Median: 11.45%

#980 of 1070 Bottom 8.5% in 100M-500M tier

969

First Mortgage Concentration (%)

balance_sheet

Value: 54.73%

Peer Median: 29.47%

#969 of 1070 Bottom 9.5% in 100M-500M tier

969

Total Members

engagement

Value: 6,681

Peer Median: 13,200

#969 of 1070 Bottom 9.5% in 100M-500M tier

925

Member Growth Rate

growth

Value: -4.13%

Peer Median: -0.06%

#925 of 1070 Bottom 13.6% in 100M-500M tier

917

Efficiency Ratio

profitability

Value: 90.30%

Peer Median: 78.68%

#917 of 1070 Bottom 14.4% in 100M-500M tier

896

Deposit Growth Rate

growth

Value: -0.75%

Peer Median: 3.30%

#896 of 1070 Bottom 16.4% in 100M-500M tier

871

Fee Income Per Member

profitability

Value: $99.86

Peer Median: $154.95

#871 of 1070 Bottom 18.7% in 100M-500M tier

815

Asset Growth Rate

growth

Value: 1.07%

Peer Median: 3.91%

#815 of 1070 Bottom 23.9% in 100M-500M tier