BlastPoint's Credit Union Scorecard
SANTO CHRISTO
Charter #9822 · MA
2596 CUs in <100M nationally
68 in MA
SANTO CHRISTO has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.25% above tier average
- + AMR Growth Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -27.6% YoY
- - Member Growth Rate: Bottom 1.2% in tier
- - First Mortgage Concentration (%): Bottom 6.5% in tier
- - Net Worth Ratio: Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,111
-27.6% YoY-28.8% QoQ
|
-514 |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$17.9M
+6.6% YoY-2.9% QoQ
|
$-11.9M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$11.3M
+8.1% YoY+6.6% QoQ
|
$-4.5M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$16.3M
+5.8% YoY-3.4% QoQ
|
$-9.1M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
48% |
| ROA |
1.0%
+73.9% YoY+6.9% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
4.2%
+9.4% YoY+3.6% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
75.3%
-7.7% YoY-1.2% QoQ
|
-6.1% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.3%
+23.3% YoY+226.9% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
69.1%
+2.1% YoY+10.3% QoQ
|
+7.8% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$13,065
+47.4% YoY+41.0% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
18.7%
+13.1% YoY+12.8% QoQ
|
-5.7% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
5.7%
-27.7% YoY-16.4% QoQ
|
-8.3% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
19
AMR Growth Rate
growth
Value:
47.37%
Peer Avg: 4.67%
#19 of 2596
Top 0.7% in <100M tier
361
Loan Growth Rate
growth
Value:
8.06%
Peer Avg: 59.01%
#361 of 2596
Top 13.9% in <100M tier
472
Asset Growth Rate
growth
Value:
6.58%
Peer Avg: 1.82%
#472 of 2596
Top 18.1% in <100M tier
525
Deposit Growth Rate
growth
Value:
5.82%
Peer Avg: 16.80%
#525 of 2596
Top 20.2% in <100M tier
643
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#643 of 2596
Top 24.7% in <100M tier
Top Weaknesses (4 metrics)
2567
Member Growth Rate
growth
Value:
-27.58%
Peer Avg: 14.92%
#2567 of 2596
Bottom 1.2% in <100M tier
2427
First Mortgage Concentration (%)
balance_sheet
Value:
52.75%
Peer Avg: 14.49%
#2427 of 2596
Bottom 6.5% in <100M tier
2395
Net Worth Ratio
risk
Value:
8.72%
Peer Avg: 16.43%
#2395 of 2596
Bottom 7.8% in <100M tier
2311
Indirect Auto Concentration (%)
balance_sheet
Value:
5.67%
Peer Avg: 2.84%
#2311 of 2596
Bottom 11.0% in <100M tier