BlastPoint's Credit Union Scorecard
SANTO CHRISTO
Charter #9822 · MA
SANTO CHRISTO has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 0.24% above tier average
- + AMR Growth Rate: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -32.6% YoY
- - Member Growth Rate: Bottom 0.9% in tier
- - First Mortgage Concentration (%): Bottom 6.6% in tier
- - Net Worth Ratio: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,979
-32.6% YoY-6.3% QoQ
|
-636 |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$18.3M
-0.8% YoY+1.8% QoQ
|
$-11.9M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$11.3M
+6.5% YoY-0.1% QoQ
|
$-4.5M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$16.6M
-1.8% YoY+1.8% QoQ
|
$-9.1M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
0.9%
-1.5% YoY-5.1% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
4.2%
+12.7% YoY+0.4% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
76.6%
+6.8% YoY+1.7% QoQ
|
-5.9% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.3%
-10.2% YoY-14.1% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
67.8%
+8.4% YoY-1.9% QoQ
|
+7.2% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$14,078
+50.3% YoY+7.8% QoQ
|
$-705 |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
18.1%
+24.9% YoY-3.5% QoQ
|
-6.3% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % |
5.3%
-29.6% YoY-6.2% QoQ
|
-8.5% | 13.8% | 2.4% | 7.8% | 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)