BlastPoint's Credit Union Scorecard

SHREWSBURY

Charter #13601 · MA

1077 CUs in 100M-500M nationally 32 in MA

SHREWSBURY has 9 strengths but faces 2 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 11.7% in tier
+ Organic Growth Leader: Top 18.5% in tier
+ Relationship Depth Leader: Top 30.5% in tier
+ Emerging Performer: Top 61.0% in tier
+ Wallet Share Momentum: Top 63.8% in tier
+ Credit Quality Leader: Top 75.2% in tier
+ Profitability Leader: Top 88.8% in tier
+ ROA 0.37% above tier average
+ Deposit Growth Rate: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Net Interest Margin (NIM): Bottom 8.5% in tier
- Net Worth Ratio: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	9,572 +2.1% YoY+0.6% QoQ	-6.1K	15,628 -3.4% YoY	27,447 +2.6% YoY	33,089 +6.1% YoY	27%
Assets	$232.1M +7.1% YoY+2.3% QoQ	+$842K	$231.3M -0.0% YoY	$440.2M +4.2% YoY	$547.7M +7.8% YoY	59%
Loans	$109.6M +4.0% YoY+0.7% QoQ	$-38.2M	$147.8M -1.4% YoY	$341.2M +2.4% YoY	$388.7M +8.6% YoY	41%
Deposits	$210.6M +11.6% YoY+2.0% QoQ	+$10.3M	$200.3M -0.0% YoY	$366.8M +5.5% YoY	$464.6M +9.3% YoY	62%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% +135.2% YoY-15.5% QoQ	+0.4%	0.8% +15.5% YoY	0.7% +17.3% YoY	0.7% +273.4% YoY	76%
NIM	2.7% +22.1% YoY+3.5% QoQ	-0.9%	3.6% +6.9% YoY	3.3% +3.8% YoY	3.7% +5.0% YoY	Bottom 8.4% in tier
Efficiency Ratio	64.6% -20.0% YoY+7.1% QoQ	-12.7%	77.3% -3.0% YoY	80.4% -4.7% YoY	79.1% -3.3% YoY	Bottom 14.8% in tier
Delinquency Rate	0.3% -43.2% YoY-19.8% QoQ	-0.5	0.9% +7.6% YoY	0.9% -6.0% YoY	1.2% -0.9% YoY	20%
Loan To Share	52.0% -6.7% YoY-1.3% QoQ	-20.7%	72.7% -1.5% YoY	74.2% -1.7% YoY	68.0% -1.7% YoY	Bottom 12.3% in tier
AMR	$33,456 +6.6% YoY+1.0% QoQ	+$9K	$24,363 +2.9% YoY	$24,707 +3.7% YoY	$19,418 +1.3% YoY	Top 10.9% in tier
CD Concentration	34.7% +35.0% YoY+5.6% QoQ	+10.3%	24.4% +4.2% YoY	24.8% +8.8% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.6% +11699.1% YoY-11.8% QoQ	-13.4%	14.0% -5.7% YoY	2.6% -15.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (7)

Organic Growth Engine

growth

#215 of 603 • Top 11.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.12%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.62%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth

#244 of 430 • Top 18.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.12%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.62%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth

#79 of 257 • Top 30.5% 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): 6.61%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY

Emerging Performer

growth

#117 of 191 • Top 61.0% 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: 1.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 2.12%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Wallet Share Momentum

growth

#307 of 481 • Top 63.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.61%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Credit Quality Leader

growth

#256 of 340 • Top 75.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.32%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.24% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Profitability Leader

growth

#302 of 340 • Top 88.8% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.16%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.67% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (0)

No concerns identified

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 1077 peers in tier

Top Strengths (8 metrics)

Deposit Growth Rate

growth

Value: 11.57%

Peer Avg: -

#86 of 1077 Top 7.9% in 100M-500M tier

117

Average Member Relationship (AMR)

engagement

Value: $33,456

Peer Avg: -

#117 of 1077 Top 10.8% in 100M-500M tier

160

Efficiency Ratio

profitability

Value: 64.59%

Peer Avg: -

#160 of 1077 Top 14.8% in 100M-500M tier

202

Net Charge-Off Rate

risk

Value: 0.13%

Peer Avg: -

#202 of 1077 Top 18.7% in 100M-500M tier

213

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Avg: -

#213 of 1077 Top 19.7% in 100M-500M tier

243

AMR Growth Rate

growth

Value: 6.61%

Peer Avg: -

#243 of 1077 Top 22.5% in 100M-500M tier

256

Return on Assets (ROA)

profitability

Value: 1.16%

Peer Avg: -

#256 of 1077 Top 23.7% in 100M-500M tier

263

Asset Growth Rate

growth

Value: 7.11%

Peer Avg: -

#263 of 1077 Top 24.3% in 100M-500M tier

Top Weaknesses (4 metrics)

986

Net Interest Margin (NIM)

profitability

Value: 2.66%

Peer Avg: -

#986 of 1077 Bottom 8.5% in 100M-500M tier

971

Net Worth Ratio

risk

Value: 8.74%

Peer Avg: -

#971 of 1077 Bottom 9.9% in 100M-500M tier

945

Loan-to-Share Ratio

balance_sheet

Value: 52.04%

Peer Avg: -

#945 of 1077 Bottom 12.3% in 100M-500M tier

908

Share Certificate Concentration (%)

balance_sheet

Value: 34.69%

Peer Avg: -

#908 of 1077 Bottom 15.8% in 100M-500M tier