BlastPoint's Credit Union Scorecard
LYNN FIREMENS
Charter #484 · MA
LYNN FIREMENS demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.92% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Efficiency Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,592
+2.7% YoY-0.1% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$20.1M
+8.6% YoY+4.0% QoQ
|
$-10.0M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$13.9M
+4.8% YoY-0.0% QoQ
|
$-1.8M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$16.3M
+8.6% YoY+4.6% QoQ
|
$-9.4M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
1.5%
-32.5% YoY-11.7% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
85% |
| NIM |
3.6%
-16.8% YoY-1.9% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
58.7%
+23.5% YoY+8.4% QoQ
|
-23.9% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.9% in tier |
| Delinquency Rate |
0.5%
+757.3% YoY-52.1% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
85.5%
-3.5% YoY-4.4% QoQ
|
+24.9% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 14.7% in tier |
| AMR |
$18,977
+4.0% YoY+2.5% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
22.1%
+8.9% YoY-2.0% QoQ
|
-2.3% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)