BlastPoint's Credit Union Scorecard
DIRECT
Charter #9071 · MA
DIRECT has 5 strengths but faces 12 concerns
How does the industry compare?
What's your peer group doing?
How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 40.1% in tier
- + Wallet Share Momentum: Top 80.5% in tier
- + Loan-to-Share Ratio: Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.9% in tier
- + Average Member Relationship (AMR): Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 22.0% in tier
- - Liquidity Strain: Bottom 24.7% in tier
- - Membership Headwinds: Bottom 26.6% in tier
- - Stagnation Risk: Bottom 39.6% in tier
- - ROA 1.00% below tier average
- - Efficiency ratio 34.72% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - Net Interest Margin (NIM): Bottom 2.6% in tier
- - Total Members: Bottom 4.3% in tier
- - Fee Income Per Member: Bottom 5.1% in tier
- - Total Deposits: Bottom 5.1% in tier
- - Asset Growth Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,250
-4.6% YoY-1.3% QoQ
|
-28.8K |
52,084
-1.6% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 3.4% in tier |
| Assets |
$785.9M
-2.4% YoY+0.2% QoQ
|
$-78.0M |
$863.9M
+0.5% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$700.2M
+0.4% YoY+0.6% QoQ
|
+$94.4M |
$605.8M
+1.4% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$615.0M
+2.1% YoY+0.4% QoQ
|
$-122.3M |
$737.3M
+0.1% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.3% in tier |
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| ROA |
-0.3%
-40.3% YoY+6.4% QoQ
|
-1.0% |
0.7%
+39.1% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.9% in tier |
| NIM |
2.0%
+9.2% YoY+2.6% QoQ
|
-1.4% |
3.4%
+8.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.7% in tier |
| Efficiency Ratio |
109.1%
-0.7% YoY-1.7% QoQ
|
+34.7% |
74.3%
-3.6% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 0.9% in tier |
| Delinquency Rate |
0.5%
-1.6% YoY+47.5% QoQ
|
-0.4 |
0.9%
+3.8% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
113.9%
-1.7% YoY+0.2% QoQ
|
+31.3% |
82.6%
+1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 0.9% in tier |
| AMR |
$56,568
+6.1% YoY+1.8% QoQ
|
+$28K |
$28,873
+2.7% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 2.6% in tier |
| CD Concentration |
35.4%
-2.2% YoY-3.0% QoQ
|
+10.9% | 24.4% | 25.0% | 19.8% | Top 14.1% in tier |
| Indirect Auto % |
10.8%
-12.6% YoY-3.6% QoQ
|
-2.9% | 13.8% | 2.4% | 7.8% | 55% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)