BlastPoint's Credit Union Scorecard

SANTO CHRISTO

Charter #9822 · MA

<100M

2508 CUs in <100M nationally 66 in MA

SANTO CHRISTO has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.68% above tier average
+ AMR Growth Rate: Top 0.6% in tier

Key Concerns

Areas that may need attention

- Member decline: -33.0% YoY
- Member Growth Rate: Bottom 0.8% in tier
- First Mortgage Concentration (%): Bottom 5.9% in tier
- Net Worth Ratio: Bottom 7.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	1,978 -33.0% YoY-0.1% QoQ	-698	2,676 +1.6% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	51%
Assets	$19.2M +3.7% YoY+5.2% QoQ	$-11.0M	$30.2M +1.3% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	47%
Loans	$11.4M +5.9% YoY+1.2% QoQ	$-3.9M	$15.3M -2.0% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	55%
Deposits	$17.5M +3.2% YoY+5.5% QoQ	$-8.3M	$25.8M +0.7% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -11.8% YoY-12.5% QoQ	+0.7%	0.1% -77.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	61%
NIM	3.8% -6.9% YoY-9.7% QoQ	-0.2%	4.0% +4.0% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	78.8% +3.3% YoY+2.9% QoQ	-11.8%	90.6% +6.5% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	43%
Delinquency Rate	0.1% -74.7% YoY-63.7% QoQ	-1.4	1.5% +3.8% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	22%
Loan To Share	65.0% +2.6% YoY-4.1% QoQ	+6.5%	58.5% -3.0% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	60%
AMR	$14,619 +55.5% YoY+3.8% QoQ	$-265	$14,884 -1.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	53%
CD Concentration	18.9% +30.8% YoY+4.6% QoQ	-5.4%	24.3%	25.2%	19.8%	50%
Indirect Auto %	4.5% -34.5% YoY-15.1% QoQ	-9.3%	13.8%	2.3%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

AMR Growth Rate

growth

Value: 55.48%

Peer Median: 1.27%

#15 of 2508 Top 0.6% in <100M tier

372

Members Per Employee (MPE)

engagement

Value: 494.500

Peer Median: 333.750

#372 of 2508 Top 14.8% in <100M tier

447

Loan Growth Rate

growth

Value: 5.86%

Peer Median: -2.36%

#447 of 2508 Top 17.8% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

557

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: 0.65%

#557 of 2508 Top 22.2% in <100M tier

Top Weaknesses (4 metrics)

2490

Member Growth Rate

growth

Value: -32.97%

Peer Median: -1.37%

#2490 of 2508 Bottom 0.8% in <100M tier

2361

First Mortgage Concentration (%)

balance_sheet

Value: 55.71%

Peer Median: 3.66%

#2361 of 2508 Bottom 5.9% in <100M tier

2321

Net Worth Ratio

risk

Value: 8.53%

Peer Median: 14.28%

#2321 of 2508 Bottom 7.5% in <100M tier

2233

Indirect Auto Concentration (%)

balance_sheet

Value: 4.52%

Peer Median: 0.00%

#2233 of 2508 Bottom 11.0% in <100M tier