BlastPoint's Credit Union Scorecard
CHELSEA EMPLOYEES
Charter #851 · MA
CHELSEA EMPLOYEES has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.34% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.59% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,154
+1.7% YoY+0.1% QoQ
|
-461 |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$20.5M
+3.9% YoY-1.2% QoQ
|
$-9.6M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$14.8M
+7.4% YoY-1.7% QoQ
|
$-935K |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$18.3M
+2.2% YoY-1.8% QoQ
|
$-7.4M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
0.6%
-27.2% YoY-7.0% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
4.3%
+3.3% YoY+2.0% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
85.1%
+9.3% YoY+1.8% QoQ
|
+2.6% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.4%
+434.1% YoY-10.4% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
81.0%
+5.1% YoY+0.2% QoQ
|
+20.4% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$15,380
+2.7% YoY-1.9% QoQ
|
+$598 |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration | 0.0% | -24.4% | 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)