BlastPoint's Credit Union Scorecard
TAUNTON
Charter #5602 · MA
TAUNTON has 10 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 5.6% in tier
- + Wallet Share Momentum: Top 12.7% in tier
- + ROA 0.37% above tier average
- + AMR Growth Rate: Top 4.4% in tier
- + Total Loans: Top 5.9% in tier
- + Total Deposits: Top 6.8% in tier
- + Total Assets: Top 7.1% in tier
- + Net Charge-Off Rate: Top 8.6% in tier
- + Loan-to-Member Ratio (LMR): Top 8.6% in tier
- + Average Member Relationship (AMR): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 30.0% in tier
- - Stagnation Risk: Bottom 57.5% in tier
- - Delinquency rate 0.02% above tier average
- - Member decline: -4.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,127
-4.3% YoY-0.3% QoQ
|
+3.7K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$426.1M
+8.4% YoY+1.9% QoQ
|
+$194.2M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Top 7.2% in tier |
| Loans |
$302.3M
+10.3% YoY+3.1% QoQ
|
+$155.0M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Top 6.0% in tier |
| Deposits |
$370.5M
+8.0% YoY+1.6% QoQ
|
+$169.7M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 6.9% in tier |
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| ROA |
1.1%
-1.8% YoY+8.5% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
3.6%
+1.6% YoY-1.3% QoQ
|
-0.0% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
73.2%
+0.7% YoY-2.6% QoQ
|
-3.9% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.9%
-9.3% YoY+43.6% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
81.6%
+2.1% YoY+1.5% QoQ
|
+9.4% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$35,174
+14.0% YoY+2.5% QoQ
|
+$10K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 9.2% in tier |
| CD Concentration |
36.7%
+3.0% YoY-1.5% QoQ
|
+12.3% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % |
11.6%
-8.5% YoY-4.2% QoQ
|
-2.2% | 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 (2)
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.
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)