BlastPoint's Credit Union Scorecard
SHREWSBURY
Charter #13601 · MA
SHREWSBURY has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 28.1% in tier
- + Organic Growth Engine: Top 38.9% in tier
- + Organic Growth Leader: Top 52.9% in tier
- + Wallet Share Momentum: Top 59.2% in tier
- + Emerging Performer: Top 69.6% in tier
- + ROA 0.21% above tier average
- + Asset Growth Rate: Top 5.0% in tier
- + Deposit Growth Rate: Top 6.3% in tier
- + Average Member Relationship (AMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 7.0% in tier
- - Net Interest Margin (NIM): Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,546
+2.4% YoY-0.3% QoQ
|
-5.9K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$246.0M
+13.5% YoY+6.0% QoQ
|
+$14.2M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$109.9M
+4.0% YoY+0.3% QoQ
|
$-37.4M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$224.0M
+12.8% YoY+6.3% QoQ
|
+$23.2M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
1.0%
+81.9% YoY-16.3% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
2.6%
+16.8% YoY-0.5% QoQ
|
-1.0% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio |
69.0%
-14.0% YoY+6.9% QoQ
|
-8.0% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
0.4%
-15.6% YoY+20.2% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
49.1%
-7.8% YoY-5.7% QoQ
|
-23.2% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.2% in tier |
| AMR |
$34,980
+7.1% YoY+4.6% QoQ
|
+$10K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 9.5% in tier |
| CD Concentration |
34.8%
+33.3% YoY+0.4% QoQ
|
+10.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % |
0.5%
+34.2% YoY-11.7% QoQ
|
-13.2% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)