BlastPoint's Credit Union Scorecard

SHREWSBURY

Charter #13601 · MA

100M-500M

1070 CUs in 100M-500M nationally 30 in MA

SHREWSBURY has 4 strengths but faces 3 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 Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Net Worth Ratio: Bottom 7.8% in tier
- Loan-to-Share Ratio: Bottom 9.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	9,664 +2.9% YoY+1.2% QoQ	-5.5K	15,145 -2.5% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	30%
Assets	$247.6M +7.8% YoY+0.6% QoQ	+$15.8M	$231.7M +0.8% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	62%
Loans	$107.9M +2.4% YoY-1.8% QoQ	$-36.2M	$144.1M +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	41%
Deposits	$225.9M +7.4% YoY+0.9% QoQ	+$24.8M	$201.1M +0.4% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	65%

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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	0.7% -50.0% YoY-25.0% QoQ	+0.0%	0.7% +5.1% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	53%
NIM	2.9% +18.8% YoY+10.7% QoQ	-0.7%	3.6% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 13.3% in tier
Efficiency Ratio	73.1% +19.9% YoY+5.9% QoQ	-5.0%	78.0% -1.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	31%
Delinquency Rate	0.3% -38.0% YoY-25.5% QoQ	-0.5	0.8% +7.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	21%
Loan To Share	47.8% -4.7% YoY-2.7% QoQ	-22.7%	70.4% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	Bottom 9.6% in tier
AMR	$34,545 +2.8% YoY-1.2% QoQ	+$10K	$24,918 +2.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 10.8% in tier
CD Concentration	36.2% +19.5% YoY+4.0% QoQ	+12.0%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.5% -25.8% YoY-9.5% QoQ	-13.3%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#161 of 371 • 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): 2.89%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.49%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#183 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.89%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.73%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.49%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Relationship Depth Leader

growth

#203 of 257 • 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): 2.78%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $4.9K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Emerging Performer

growth

#127 of 157 • 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: 0.73%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.89%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (1)

Cost Spiral

risk

#16 of 83 • 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: 12.13% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 45.62%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 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 1070 peers in tier

Top Strengths (7 metrics)

116

Average Member Relationship (AMR)

engagement

Value: $34,545

Peer Median: $22,931

#116 of 1070 Top 10.7% in 100M-500M tier

159

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.35%

#159 of 1070 Top 14.8% in 100M-500M tier

206

Deposit Growth Rate

growth

Value: 7.45%

Peer Median: 3.30%

#206 of 1070 Top 19.2% in 100M-500M tier

210

Asset Growth Rate

growth

Value: 7.79%

Peer Median: 3.91%

#210 of 1070 Top 19.5% in 100M-500M tier

221

Member Growth Rate

growth

Value: 2.89%

Peer Median: -0.06%

#221 of 1070 Top 20.6% in 100M-500M tier

221

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Median: 0.61%

#221 of 1070 Top 20.6% in 100M-500M tier

247

Members Per Employee (MPE)

engagement

Value: 386.560

Peer Median: 309.176

#247 of 1070 Top 23.0% in 100M-500M tier

Top Weaknesses (5 metrics)

988

Net Worth Ratio

risk

Value: 8.51%

Peer Median: 11.45%

#988 of 1070 Bottom 7.8% in 100M-500M tier

967

Loan-to-Share Ratio

balance_sheet

Value: 47.76%

Peer Median: 71.88%

#967 of 1070 Bottom 9.7% in 100M-500M tier

940

Share Certificate Concentration (%)

balance_sheet

Value: 36.25%

Peer Median: 23.10%

#940 of 1070 Bottom 12.2% in 100M-500M tier

928

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Median: 3.62%

#928 of 1070 Bottom 13.4% in 100M-500M tier

859

Fee Income Per Member

profitability

Value: $100.93

Peer Median: $154.95

#859 of 1070 Bottom 19.8% in 100M-500M tier