BlastPoint's Credit Union Scorecard
ST. ANTHONY OF PADUA
Charter #8616 ยท MA
2596 CUs in <100M nationally
68 in MA
ST. ANTHONY OF PADUA has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Strong member growth: 6.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 5.2% in tier
- + Loan Growth Rate: Top 8.5% in tier
- + Average Member Relationship (AMR): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.01% above tier average
- - First Mortgage Concentration (%): Bottom 1.9% in tier
- - Share Certificate Concentration (%): Bottom 5.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,669
+6.9% YoY-6.6% QoQ
|
-956 |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$36.6M
+6.1% YoY+1.5% QoQ
|
+$6.8M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$11.1M
+11.7% YoY+4.9% QoQ
|
$-4.7M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$29.4M
+6.3% YoY+1.5% QoQ
|
+$3.9M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
64% |
| ROA |
1.1%
+92.5% YoY+10.3% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
2.7%
+23.4% YoY+2.5% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.0% in tier |
| Efficiency Ratio |
60.9%
-19.0% YoY-4.5% QoQ
|
-20.5% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
15% |
| Delinquency Rate |
3.5%
+45.8% YoY+49.0% QoQ
|
+2.0 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 10.0% in tier |
| Loan To Share |
37.8%
+5.1% YoY+3.3% QoQ
|
-23.4% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$24,251
+0.7% YoY+9.6% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 9.4% in tier |
| CD Concentration |
44.1%
+11.6% YoY-1.3% QoQ
|
+19.7% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
135
Member Growth Rate
growth
Value:
6.92%
Peer Avg: 14.92%
#135 of 2596
Top 5.2% in <100M tier
221
Loan Growth Rate
growth
Value:
11.67%
Peer Avg: 59.01%
#221 of 2596
Top 8.5% in <100M tier
243
Average Member Relationship (AMR)
engagement
Value:
$24,251
Peer Avg: $14,627
#243 of 2596
Top 9.3% in <100M tier
395
Efficiency Ratio
profitability
Value:
60.86%
Peer Avg: 81.39%
#395 of 2596
Top 15.2% in <100M tier
485
Deposit Growth Rate
growth
Value:
6.29%
Peer Avg: 16.80%
#485 of 2596
Top 18.6% in <100M tier
515
Asset Growth Rate
growth
Value:
6.13%
Peer Avg: 1.82%
#515 of 2596
Top 19.8% in <100M tier
597
Net Worth Ratio
risk
Value:
19.73%
Peer Avg: 16.43%
#597 of 2596
Top 23.0% in <100M tier
Top Weaknesses (5 metrics)
2547
First Mortgage Concentration (%)
balance_sheet
Value:
72.13%
Peer Avg: 14.49%
#2547 of 2596
Bottom 1.9% in <100M tier
2458
Share Certificate Concentration (%)
balance_sheet
Value:
44.08%
Peer Avg: 15.37%
#2458 of 2596
Bottom 5.4% in <100M tier
2338
Total Delinquency Rate (60+ days)
risk
Value:
3.52%
Peer Avg: 1.51%
#2338 of 2596
Bottom 10.0% in <100M tier
2336
Net Interest Margin (NIM)
profitability
Value:
2.66%
Peer Avg: 3.93%
#2336 of 2596
Bottom 10.1% in <100M tier
2157
Loan-to-Share Ratio
balance_sheet
Value:
37.82%
Peer Avg: 61.23%
#2157 of 2596
Bottom 16.9% in <100M tier