BlastPoint's Credit Union Scorecard
METROWEST COMMUNITY
Charter #4731 · MA
METROWEST COMMUNITY has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 48.3% in tier
- + Wallet Share Momentum: Top 97.8% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.5% in tier
- + Total Delinquency Rate (60+ days): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 6.7% in tier
- - Membership Headwinds: Bottom 63.5% in tier
- - Stagnation Risk: Bottom 66.7% in tier
- - Institutional Decline: Bottom 84.5% in tier
- - ROA 0.82% below tier average
- - Efficiency ratio 10.80% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.3% in tier
- - Net Interest Margin (NIM): Bottom 2.2% in tier
- - Fee Income Per Member: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,864
-1.9% YoY-1.9% QoQ
|
-8.6K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 10.0% in tier |
| Assets |
$142.5M
+6.6% YoY+1.9% QoQ
|
$-89.4M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$73.6M
-2.8% YoY-1.6% QoQ
|
$-73.8M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$133.4M
+6.5% YoY+1.9% QoQ
|
$-67.5M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
-0.1%
-7.5% YoY-117.6% QoQ
|
-0.8% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.0% in tier |
| NIM |
2.1%
+19.1% YoY+0.5% QoQ
|
-1.5% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.2% in tier |
| Efficiency Ratio |
87.8%
-12.8% YoY+0.9% QoQ
|
+10.8% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 14.3% in tier |
| Delinquency Rate |
0.2%
-39.1% YoY-43.9% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.6% in tier |
| Loan To Share |
55.2%
-8.8% YoY-3.4% QoQ
|
-17.1% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$30,147
+5.0% YoY+2.7% QoQ
|
+$5K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
50.8%
+5.1% YoY+0.6% QoQ
|
+26.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)