BlastPoint's Credit Union Scorecard

ST. MICHAELS FALL RIVER

Charter #8915 · MA

100M-500M

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

ST. MICHAELS FALL RIVER 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
+ Average Member Relationship (AMR): Top 0.7% in tier
+ Loan-to-Member Ratio (LMR): Top 0.7% in tier
+ Net Charge-Off Rate: Top 4.0% in tier
+ Loan-to-Share Ratio: Top 6.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.78% below tier average
- Efficiency ratio 23.59% above tier (higher cost structure)
- Delinquency rate 0.34% above tier average
- Share Certificate Concentration (%): Bottom 0.3% in tier
- Total Members: Bottom 0.6% in tier
- Fee Income Per Member: Bottom 3.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	3,165 -0.2% YoY-1.7% QoQ	-12.0K	15,145 -2.5% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	Bottom 0.5% in tier
Assets	$123.6M +1.9% YoY+0.4% QoQ	$-108.1M	$231.7M +0.8% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	15%
Loans	$104.2M +0.2% YoY-1.7% QoQ	$-39.9M	$144.1M +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	38%
Deposits	$112.4M +3.4% YoY+0.3% QoQ	$-88.7M	$201.1M +0.4% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	19%

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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	-0.1% -70.4% YoY-112.8% QoQ	-0.8%	0.7% +5.1% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	Bottom 6.9% in tier
NIM	3.3% +8.3% YoY+7.1% QoQ	-0.3%	3.6% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	33%
Efficiency Ratio	101.6% -4.0% YoY+21.2% QoQ	+23.6%	78.0% -1.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 2.7% in tier
Delinquency Rate	1.1% -31.6% YoY-20.7% QoQ	+0.3	0.8% +7.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	80%
Loan To Share	92.7% -3.1% YoY-2.0% QoQ	+22.3%	70.4% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	Top 6.9% in tier
AMR	$68,436 +2.0% YoY+1.1% QoQ	+$44K	$24,918 +2.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 0.7% in tier
CD Concentration	55.9% -1.3% YoY-4.9% QoQ	+31.7%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#232 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): 2.03%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.3K

(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 | Rank worsening

Concerns (2)

Efficiency Drag

risk

#5 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: 101.62%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.13% points

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

but better than tier avg

Member Growth (YoY): -0.22%

(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 improving

Liquidity Strain

risk

#145 of 183 • 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: 92.72%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 0.17%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 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 (5 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: $68,436

Peer Median: $22,931

#8 of 1070 Top 0.7% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $32,925

Peer Median: $9,356

#8 of 1070 Top 0.7% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.35%

#44 of 1070 Top 4.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 92.72%

Peer Median: 71.88%

#74 of 1070 Top 6.8% in 100M-500M tier

Top Weaknesses (10 metrics)

1068

Share Certificate Concentration (%)

balance_sheet

Value: 55.93%

Peer Median: 23.10%

#1068 of 1070 Bottom 0.3% in 100M-500M tier

1065

Total Members

engagement

Value: 3,165

Peer Median: 13,200

#1065 of 1070 Bottom 0.6% in 100M-500M tier

1042

Efficiency Ratio

profitability

Value: 101.62%

Peer Median: 78.68%

#1042 of 1070 Bottom 2.7% in 100M-500M tier

1030

Fee Income Per Member

profitability

Value: $53.63

Peer Median: $154.95

#1030 of 1070 Bottom 3.8% in 100M-500M tier

996

Return on Assets (ROA)

profitability

Value: -0.06%

Peer Median: 0.69%

#996 of 1070 Bottom 7.0% in 100M-500M tier

950

First Mortgage Concentration (%)

balance_sheet

Value: 52.32%

Peer Median: 29.47%

#950 of 1070 Bottom 11.3% in 100M-500M tier

947

Net Worth Ratio

risk

Value: 8.81%

Peer Median: 11.45%

#947 of 1070 Bottom 11.6% in 100M-500M tier

907

Total Assets

balance_sheet

Value: $123.61M

Peer Median: $196.57M

#907 of 1070 Bottom 15.3% in 100M-500M tier

865

Total Deposits

balance_sheet

Value: $112.39M

Peer Median: $171.29M

#865 of 1070 Bottom 19.3% in 100M-500M tier

856

Total Delinquency Rate (60+ days)

risk

Value: 1.11%

Peer Median: 0.61%

#856 of 1070 Bottom 20.1% in 100M-500M tier