BlastPoint's Credit Union Scorecard
DIRECT
Charter #9071 · MA
DIRECT has 4 strengths but faces 8 concerns
How does the industry compare?
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 51.9% in tier
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 1.7% in tier
- + Average Member Relationship (AMR): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.5% in tier
- - Efficiency Drag: Bottom 3.4% in tier
- - Membership Headwinds: Bottom 77.7% in tier
- - Stagnation Risk: Bottom 77.7% in tier
- - ROA 0.86% below tier average
- - Efficiency ratio 22.71% above tier (higher cost structure)
- - Member decline: -2.5% YoY
- - Net Interest Margin (NIM): Bottom 2.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,538
-2.5% YoY+1.2% QoQ
|
-28.0K |
51,500
+0.7% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 3.4% in tier |
| Assets |
$789.8M
-2.0% YoY+0.5% QoQ
|
$-75.8M |
$865.6M
+0.9% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$695.4M
+0.6% YoY-0.7% QoQ
|
+$100.2M |
$595.3M
+1.6% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
80% |
| Deposits |
$617.5M
+0.8% YoY+0.4% QoQ
|
$-124.7M |
$742.2M
+0.6% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.1% in tier |
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| ROA |
-0.1%
-76.5% YoY-62.1% QoQ
|
-0.9% |
0.8%
+45.0% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.6% in tier |
| NIM |
2.2%
+24.3% YoY+10.1% QoQ
|
-1.3% |
3.5%
+6.1% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.7% in tier |
| Efficiency Ratio |
98.2%
-18.7% YoY-9.9% QoQ
|
+22.7% |
75.5%
-3.4% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate |
0.4%
-28.0% YoY-24.2% QoQ
|
-0.3 |
0.7%
-0.1% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
112.6%
-0.3% YoY-1.1% QoQ
|
+32.0% |
80.6%
+0.7% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Top 0.9% in tier |
| AMR |
$55,778
+3.3% YoY-1.4% QoQ
|
+$27K |
$28,908
+0.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Top 3.4% in tier |
| CD Concentration |
34.4%
-4.2% YoY-2.8% QoQ
|
+10.1% | 24.3% | 25.2% | 19.8% | 83% |
| Indirect Auto % |
11.1%
-8.9% YoY+2.5% QoQ
|
-2.7% | 13.8% | 2.3% | 7.7% | 55% |
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 (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)