BlastPoint's Credit Union Scorecard
SANTO CHRISTO
Charter #9822 · MA
SANTO CHRISTO has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.06% above tier average
- + AMR Growth Rate: Top 0.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Member decline: -33.2% YoY
- - Member Growth Rate: Bottom 0.7% in tier
- - First Mortgage Concentration (%): Bottom 4.8% in tier
- - Net Worth Ratio: Bottom 9.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits +3.6% year over year ($17.5M in shares and deposits).
- Membership: 1,979 members, -33.2% vs a year ago.
- Delinquency rate 0.08%.
- Return on assets 0.92%.
- Efficiency ratio 77.79% vs a 88.77% peer average.
- Loan-to-share ratio 66.36% vs a 58.89% 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 |
1,979
-33.2% YoY+0.1% QoQ
|
-606 |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$18.5M
+0.4% YoY-3.5% QoQ
|
$-11.7M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$11.6M
+9.8% YoY+1.9% QoQ
|
$-3.8M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
55% |
| Deposits |
$17.5M
+3.6% YoY-0.1% QoQ
|
$-8.3M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
49% |
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| ROA |
0.9%
-0.8% YoY+11.7% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
4.0%
-1.9% YoY+4.4% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
77.8%
+2.0% YoY-1.3% QoQ
|
-11.0% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
0.1%
-19.1% YoY-20.5% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
19% |
| Loan To Share |
66.4%
+6.0% YoY+2.1% QoQ
|
+7.5% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$14,712
+58.8% YoY+0.6% QoQ
|
$-251 |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
19.4%
+16.6% YoY+2.4% QoQ
|
-5.2% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % |
4.0%
-40.9% YoY-11.2% QoQ
|
-9.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)