BlastPoint's Credit Union Scorecard

SHREWSBURY

Charter #13601 · MA

100M-500M

1024 CUs in 100M-500M nationally 32 in MA

SHREWSBURY has 6 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

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Deposit Growth Rate: Top 5.7% in tier
+ Net Charge-Off Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Net Worth Ratio: Bottom 8.4% in tier
- Loan-to-Share Ratio: Bottom 9.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
Shares and deposits +11.3% year over year ($230M in shares and deposits).
Membership: 9,729 members, +2.2% vs a year ago.
Delinquency rate 0.35%.
Return on assets 0.90%.
Efficiency ratio 70.39% vs a 76.73% peer average.
Loan-to-share ratio 46.93% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	9,729 +2.2% YoY+0.7% QoQ	-5.4K	15,168 -2.6% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	30%
Assets	$249.4M +9.9% YoY+0.7% QoQ	+$17.4M	$232.0M +0.7% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	63%
Loans	$107.8M -1.0% YoY-0.1% QoQ	$-38.4M	$146.3M +0.2% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	40%
Deposits	$229.8M +11.3% YoY+1.7% QoQ	+$29.1M	$200.7M +0.2% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	66%

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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	0.9% -34.7% YoY+23.1% QoQ	+0.0%	0.9% +12.5% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	59%
NIM	2.9% +14.2% YoY+0.1% QoQ	-0.8%	3.7% +4.5% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	Bottom 11.7% in tier
Efficiency Ratio	70.4% +16.7% YoY-3.7% QoQ	-6.3%	76.7% -0.8% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	27%
Delinquency Rate	0.3% -12.1% YoY+22.4% QoQ	-0.5	0.9% +6.6% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	23%
Loan To Share	46.9% -11.0% YoY-1.8% QoQ	-24.6%	71.5% -0.3% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	Bottom 8.9% in tier
AMR	$34,702 +4.8% YoY+0.5% QoQ	+$10K	$25,107 +3.2% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	Top 11.1% in tier
CD Concentration	37.5% +14.3% YoY+3.5% QoQ	+13.0%	24.6%	25.4%	20.0%	50%
Indirect Auto %	0.4% -38.3% YoY-12.6% QoQ	-13.2%	13.6%	2.4%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#186 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.21%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.90%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.43%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#190 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.21%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.43%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Relationship Depth Leader

growth

#146 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.75%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.8K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Emerging Performer

growth

#121 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.90%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.21%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (2)

Cost Spiral

risk

#21 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 10.07% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 60.32%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Margin Compression

decline

#62 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.90%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.37%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.48% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (6 metrics)

Deposit Growth Rate

growth

Value: 11.30%

Peer Median: 3.58%

#59 of 1024 Top 5.7% in 100M-500M tier

100

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.34%

#100 of 1024 Top 9.7% in 100M-500M tier

107

Asset Growth Rate

growth

Value: 9.88%

Peer Median: 4.12%

#107 of 1024 Top 10.4% in 100M-500M tier

114

Average Member Relationship (AMR)

engagement

Value: $34,702

Peer Median: $23,006

#114 of 1024 Top 11.0% in 100M-500M tier

233

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: 0.71%

#233 of 1024 Top 22.7% in 100M-500M tier

256

Member Growth Rate

growth

Value: 2.21%

Peer Median: -0.03%

#256 of 1024 Top 24.9% in 100M-500M tier

Top Weaknesses (5 metrics)

939

Net Worth Ratio

risk

Value: 8.72%

Peer Median: 11.71%

#939 of 1024 Bottom 8.4% in 100M-500M tier

933

Loan-to-Share Ratio

balance_sheet

Value: 46.93%

Peer Median: 73.07%

#933 of 1024 Bottom 9.0% in 100M-500M tier

914

Share Certificate Concentration (%)

balance_sheet

Value: 37.52%

Peer Median: 23.39%

#914 of 1024 Bottom 10.8% in 100M-500M tier

904

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Median: 3.67%

#904 of 1024 Bottom 11.8% in 100M-500M tier

841

Fee Income Per Member

profitability

Value: $105.05

Peer Median: $159.88

#841 of 1024 Bottom 18.0% in 100M-500M tier