BlastPoint's Credit Union Scorecard

TEWKSBURY

Charter #13926 · MA

<100M

2508 CUs in <100M nationally 66 in MA

TEWKSBURY demonstrates 8 strengths

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.93% above tier average
+ Net Interest Margin 0.57% above tier average
+ Total Deposits: Top 1.0% in tier
+ Total Assets: Top 1.6% in tier
+ Total Loans: Top 2.5% in tier
+ Loan Growth Rate: Top 7.2% in tier
+ Member Growth Rate: Top 8.1% in tier
+ Total Members: Top 8.5% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	6,033 +4.2% YoY+0.7% QoQ	+3.4K	2,676 +1.6% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	Top 8.5% in tier
Assets	$94.8M +0.7% YoY+2.0% QoQ	+$64.6M	$30.2M +1.3% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	Top 1.7% in tier
Loans	$56.5M +12.4% YoY+1.5% QoQ	+$41.2M	$15.3M -2.0% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	Top 2.6% in tier
Deposits	$84.0M -0.1% YoY+2.0% QoQ	+$58.2M	$25.8M +0.7% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	Top 1.0% in tier

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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	1.1% +22.1% YoY+45.4% QoQ	+0.9%	0.1% -77.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	72%
NIM	4.6% +18.4% YoY+16.0% QoQ	+0.6%	4.0% +4.0% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	79%
Efficiency Ratio	74.6% -7.7% YoY-9.1% QoQ	-16.0%	90.6% +6.5% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	0.4% +4.1% YoY+6.9% QoQ	-1.1	1.5% +3.8% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	39%
Loan To Share	67.2% +12.5% YoY-0.5% QoQ	+8.7%	58.5% -3.0% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	63%
AMR	$23,290 +0.4% YoY+1.1% QoQ	+$8K	$14,884 -1.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 11.8% in tier
CD Concentration	19.1% +4.0% YoY+6.5% QoQ	-5.1%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

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 2508 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Total Deposits

balance_sheet

Value: $84.03M

Peer Median: $18.77M

#25 of 2508 Top 1.0% in <100M tier

Total Assets

balance_sheet

Value: $94.80M

Peer Median: $21.86M

#42 of 2508 Top 1.6% in <100M tier

Total Loans

balance_sheet

Value: $56.48M

Peer Median: $9.48M

#64 of 2508 Top 2.5% in <100M tier

182

Loan Growth Rate

growth

Value: 12.43%

Peer Median: -2.36%

#182 of 2508 Top 7.2% in <100M tier

204

Member Growth Rate

growth

Value: 4.18%

Peer Median: -1.37%

#204 of 2508 Top 8.1% in <100M tier

213

Total Members

engagement

Value: 6,033

Peer Median: 1,918

#213 of 2508 Top 8.5% in <100M tier

255

Loan-to-Member Ratio (LMR)

engagement

Value: $9,362

Peer Median: $4,923

#255 of 2508 Top 10.1% in <100M tier

295

Average Member Relationship (AMR)

engagement

Value: $23,290

Peer Median: $13,926

#295 of 2508 Top 11.7% in <100M tier

536

Net Interest Margin (NIM)

profitability

Value: 4.58%

Peer Median: 3.83%

#536 of 2508 Top 21.3% in <100M tier

Top Weaknesses (2 metrics)

2055

First Mortgage Concentration (%)

balance_sheet

Value: 33.25%

Peer Median: 3.66%

#2055 of 2508 Bottom 18.1% in <100M tier

1919

Net Worth Ratio

risk

Value: 10.86%

Peer Median: 14.28%

#1919 of 2508 Bottom 23.5% in <100M tier