BlastPoint's Credit Union Scorecard

DIRECT

Charter #9071 · MA

Community 750M-1B

112 CUs in 750M-1B nationally 5 in MA

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DIRECT has 7 strengths but faces 13 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 21.9% in tier
+ Wallet Share Momentum: Top 47.1% in tier
+ Credit Quality Leader: Top 89.7% in tier
+ Loan-to-Share Ratio: Top 0.9% in tier
+ Loan-to-Member Ratio (LMR): Top 0.9% in tier
+ Average Member Relationship (AMR): Top 1.8% in tier
+ Net Charge-Off Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.0% in tier
- Membership Headwinds: Bottom 6.1% in tier
- Institutional Decline: Bottom 8.5% in tier
- Liquidity Strain: Bottom 10.0% in tier
- Stagnation Risk: Bottom 12.8% in tier
- ROA 0.95% below tier average
- Efficiency ratio 36.47% above tier (higher cost structure)
- Member decline: -5.6% YoY
- Net Interest Margin (NIM): Bottom 2.7% in tier
- Fee Income Per Member: Bottom 4.5% in tier
- Total Members: Bottom 4.5% in tier
- Total Deposits: Bottom 4.5% in tier
- Member Growth Rate: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	23,561 -5.6% YoY-1.1% QoQ	-28.6K	52,114 -2.1% YoY	27,447 +2.6% YoY	33,089 +6.1% YoY	Bottom 3.6% in tier
Assets	$784.2M -1.9% YoY-0.6% QoQ	$-74.8M	$859.0M +0.0% YoY	$440.2M +4.2% YoY	$547.7M +7.8% YoY	20%
Loans	$696.0M -1.3% YoY+0.7% QoQ	+$92.7M	$603.4M +1.0% YoY	$341.2M +2.4% YoY	$388.7M +8.6% YoY	80%
Deposits	$612.6M +5.3% YoY-0.6% QoQ	$-121.6M	$734.2M +0.9% YoY	$366.8M +5.5% YoY	$464.6M +9.3% YoY	Bottom 3.6% in tier

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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	-0.2% -14.0% YoY-33.5% QoQ	-0.9%	0.7% +27.6% YoY	0.7% +17.3% YoY	0.7% +273.4% YoY	Bottom 3.6% in tier
NIM	1.9% +6.0% YoY+5.9% QoQ	-1.4%	3.4% +9.6% YoY	3.3% +3.8% YoY	3.7% +5.0% YoY	Bottom 1.8% in tier
Efficiency Ratio	111.0% +2.9% YoY-5.6% QoQ	+36.5%	74.5% -3.2% YoY	80.4% -4.7% YoY	79.1% -3.3% YoY	Top 0.9% in tier
Delinquency Rate	0.4% -50.7% YoY-27.0% QoQ	-0.5	0.8% +5.0% YoY	0.9% -6.0% YoY	1.2% -0.9% YoY	16%
Loan To Share	113.6% -6.2% YoY+1.3% QoQ	+31.0%	82.7% +0.1% YoY	74.2% -1.7% YoY	68.0% -1.7% YoY	Top 1.8% in tier
AMR	$55,543 +7.7% YoY+1.2% QoQ	+$27K	$28,651 +2.5% YoY	$24,707 +3.7% YoY	$19,418 +1.3% YoY	Top 2.7% in tier
CD Concentration	36.5% +4.7% YoY-0.1% QoQ	+12.1%	24.4% +4.2% YoY	24.8% +8.8% YoY	19.6% +6.2% YoY	Top 12.5% in tier
Indirect Auto %	11.2% -12.1% YoY-2.7% QoQ	-2.7%	14.0% -5.7% YoY	2.6% -15.5% YoY	7.9% -2.9% YoY	56%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#57 of 257 • Top 21.9% 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): 7.70%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.9K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Wallet Share Momentum

growth

#227 of 481 • Top 47.1% in tier

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

Why This Signature

AMR Growth (YoY): 7.70%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Credit Quality Leader

growth

#305 of 340 • Top 89.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.36%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.37% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#53 of 521 • Bottom 3.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 110.99%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.04% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -5.59%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline

#101 of 550 • Bottom 6.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.59%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline

#68 of 256 • Bottom 8.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $784.19M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -5.59%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.30%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 281 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Liquidity Strain

risk

#78 of 258 • Bottom 10.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 113.62%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -1.30%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Stagnation Risk

risk

#211 of 550 • Bottom 12.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.59%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.30%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.36%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 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 112 peers in tier

Top Strengths (7 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 113.62%

Peer Avg: -

#2 of 112 Top 0.9% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $29,542

Peer Avg: -

#2 of 112 Top 0.9% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $55,543

Peer Avg: -

#3 of 112 Top 1.8% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.13%

Peer Avg: -

#12 of 112 Top 9.8% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.36%

Peer Avg: -

#19 of 112 Top 16.1% in 750M-1B tier

AMR Growth Rate

growth

Value: 7.70%

Peer Avg: -

#23 of 112 Top 19.6% in 750M-1B tier

Total Loans

balance_sheet

Value: $696.03M

Peer Avg: -

#23 of 112 Top 19.6% in 750M-1B tier

Top Weaknesses (12 metrics)

112

Efficiency Ratio

profitability

Value: 110.99%

Peer Avg: -

#112 of 112 Bottom 0.9% in 750M-1B tier

110

Net Interest Margin (NIM)

profitability

Value: 1.94%

Peer Avg: -

#110 of 112 Bottom 2.7% in 750M-1B tier

108

Return on Assets (ROA)

profitability

Value: -0.24%

Peer Avg: -

#108 of 112 Bottom 4.5% in 750M-1B tier

108

Fee Income Per Member

profitability

Value: $67.18

Peer Avg: -

#108 of 112 Bottom 4.5% in 750M-1B tier

108

Total Members

engagement

Value: 23,561

Peer Avg: -

#108 of 112 Bottom 4.5% in 750M-1B tier

108

Total Deposits

balance_sheet

Value: $612.62M

Peer Avg: -

#108 of 112 Bottom 4.5% in 750M-1B tier

104

Member Growth Rate

growth

Value: -5.59%

Peer Avg: -

#104 of 112 Bottom 8.0% in 750M-1B tier

100

First Mortgage Concentration (%)

balance_sheet

Value: 51.32%

Peer Avg: -

#100 of 112 Bottom 11.6% in 750M-1B tier

Asset Growth Rate

growth

Value: -1.94%

Peer Avg: -

#98 of 112 Bottom 13.4% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 36.47%

Peer Avg: -

#94 of 112 Bottom 17.0% in 750M-1B tier