BlastPoint's Credit Union Scorecard
TEWKSBURY
Charter #13926 · MA
TEWKSBURY has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 1.8% in tier
- + Total Assets: Top 2.3% in tier
- + Total Loans: Top 3.4% in tier
- + Total Members: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.14% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,902
+3.5% YoY+1.1% QoQ
|
+3.3K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Top 9.7% in tier |
| Assets |
$93.1M
+4.3% YoY-2.9% QoQ
|
+$63.3M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Top 2.4% in tier |
| Loans |
$54.9M
+9.2% YoY+3.9% QoQ
|
+$39.2M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Top 3.4% in tier |
| Deposits |
$82.7M
+5.8% YoY-3.7% QoQ
|
+$57.3M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Top 1.8% in tier |
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| ROA |
0.8%
+23.2% YoY+6.8% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
49% |
| NIM |
3.9%
+16.6% YoY+3.4% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
81.5%
-2.1% YoY-2.2% QoQ
|
+0.1% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.4%
-67.7% YoY+4.9% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
66.4%
+3.2% YoY+7.9% QoQ
|
+5.2% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
57% |
| AMR |
$23,323
+3.6% YoY-1.9% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 11.2% in tier |
| CD Concentration |
19.3%
-2.2% YoY+6.0% QoQ
|
-5.1% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
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)