BlastPoint's Credit Union Scorecard
DIRECT
Charter #9071 · MA
DIRECT has 4 strengths but faces 8 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 63.1% in tier
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.9% in tier
- + Average Member Relationship (AMR): Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.5% in tier
- - Efficiency Drag: Bottom 13.2% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 14.21% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.7% in tier
- - Total Members: Bottom 3.6% in tier
- - Fee Income Per Member: Bottom 7.2% in tier
- - Total Deposits: Bottom 7.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 6 that size in Massachusetts.
- Shares and deposits +0.9% year over year ($622M in shares and deposits).
- Membership: 23,736 members, -0.4% vs a year ago.
- Delinquency rate 0.36%.
- Return on assets 0.19%.
- Efficiency ratio 88.75% vs a 74.54% peer average.
- Loan-to-share ratio 114.07% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,736
-0.4% YoY+0.8% QoQ
|
-28.7K |
52,482
+1.3% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Bottom 2.7% in tier |
| Assets |
$794.7M
+0.8% YoY+0.6% QoQ
|
$-69.2M |
$863.9M
+0.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$709.6M
+2.6% YoY+2.0% QoQ
|
+$101.8M |
$607.8M
+2.1% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
78% |
| Deposits |
$622.0M
+0.9% YoY+0.7% QoQ
|
$-117.9M |
$739.9M
+0.2% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.3% in tier |
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| ROA |
0.2%
-151.8% YoY-293.2% QoQ
|
-0.7% |
0.8%
+30.4% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.2% in tier |
| NIM |
2.3%
+23.6% YoY+3.3% QoQ
|
-1.2% |
3.5%
+6.2% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.8% in tier |
| Efficiency Ratio |
88.8%
-24.5% YoY-9.7% QoQ
|
+14.2% |
74.5%
-1.4% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate |
0.4%
-26.8% YoY-10.3% QoQ
|
-0.4 |
0.8%
+1.0% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
18% |
| Loan To Share |
114.1%
+1.7% YoY+1.3% QoQ
|
+31.5% |
82.6%
+1.9% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
Top 0.9% in tier |
| AMR |
$56,099
+2.2% YoY+0.6% QoQ
|
+$27K |
$28,702
+0.4% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 3.6% in tier |
| CD Concentration |
35.9%
-1.6% YoY+4.6% QoQ
|
+11.4% | 24.6% | 25.4% | 20.0% | Top 13.8% in tier |
| Indirect Auto % |
11.8%
+2.2% YoY+6.3% QoQ
|
-1.8% | 13.6% | 2.4% | 7.7% | 57% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)