BlastPoint's Credit Union Scorecard

MASS BAY

Charter #68137 · MA

100M-500M

1069 CUs in 100M-500M nationally 32 in MA

MASS BAY has 5 strengths but faces 7 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
+ Loan-to-Share Ratio: Top 0.0% in tier
+ Total Loans: Top 5.3% in tier
+ Loan-to-Member Ratio (LMR): Top 6.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.17% below tier average
- Efficiency ratio 3.97% above tier (higher cost structure)
- Member decline: -2.3% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	17,626 -2.3% YoY-3.3% QoQ	+2.2K	15,437 -2.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	67%
Assets	$362.4M +2.2% YoY+0.2% QoQ	+$130.5M	$231.9M +1.3% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	84%
Loans	$307.8M +4.0% YoY+0.2% QoQ	+$160.4M	$147.3M -0.1% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	Top 5.4% in tier
Deposits	$253.6M +2.1% YoY+1.6% QoQ	+$52.8M	$200.8M +0.8% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	72%

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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	0.6% +23.1% YoY+10.0% QoQ	-0.2%	0.8% +18.2% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	38%
NIM	2.9% +4.5% YoY+0.5% QoQ	-0.7%	3.6% +6.7% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	Bottom 13.3% in tier
Efficiency Ratio	81.0% +1.4% YoY-2.2% QoQ	+4.0%	77.0% -3.1% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	63%
Delinquency Rate	0.8% -13.3% YoY+5.4% QoQ	-0.1	0.9% +4.2% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	55%
Loan To Share	121.4% +1.8% YoY-1.3% QoQ	+49.1%	72.2% -1.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	Top 0.1% in tier
AMR	$31,850 +5.6% YoY+4.2% QoQ	+$7K	$24,676 +3.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	Top 13.9% in tier
CD Concentration	32.2% +3.4% YoY+1.4% QoQ	+7.8%	24.4%	25.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#121 of 268 • 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): 5.58%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY

Wallet Share Momentum

growth

#456 of 513 • 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): 5.58%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#28 of 228 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 121.36%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.97%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Membership Headwinds

decline

#315 of 554 • 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): -2.31%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#373 of 538 • 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: 80.99%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.11% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.31%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Stagnation Risk

risk

#386 of 554 • 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): -2.31%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.97%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.78%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | 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 1069 peers in tier

Top Strengths (7 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 121.36%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $307.78M

Peer Median: -

#58 of 1069 Top 5.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,462

Peer Median: -

#66 of 1069 Top 6.1% in 100M-500M tier

127

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: -

#127 of 1069 Top 11.8% in 100M-500M tier

149

Average Member Relationship (AMR)

engagement

Value: $31,850

Peer Median: -

#149 of 1069 Top 13.8% in 100M-500M tier

172

Total Assets

balance_sheet

Value: $362.39M

Peer Median: -

#172 of 1069 Top 16.0% in 100M-500M tier

Top Weaknesses (4 metrics)

937

First Mortgage Concentration (%)

balance_sheet

Value: 51.55%

Peer Median: -

#937 of 1069 Bottom 12.4% in 100M-500M tier

927

Net Interest Margin (NIM)

profitability

Value: 2.87%

Peer Median: -

#927 of 1069 Bottom 13.4% in 100M-500M tier

836

Share Certificate Concentration (%)

balance_sheet

Value: 32.20%

Peer Median: -

#836 of 1069 Bottom 21.9% in 100M-500M tier

810

Member Growth Rate

growth

Value: -2.31%

Peer Median: -

#810 of 1069 Bottom 24.3% in 100M-500M tier