BlastPoint's Credit Union Scorecard
DANVERS MUNICIPAL
Charter #14191 · MA
DANVERS MUNICIPAL has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.23% above tier average
- + Net Interest Margin 0.01% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.5% in tier
- + Efficiency Ratio: Top 6.3% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,083
+2.7% YoY+0.6% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$8.0M
+3.3% YoY+0.7% QoQ
|
$-22.1M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$4.1M
-9.2% YoY-0.1% QoQ
|
$-11.7M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$4.9M
+1.8% YoY+0.4% QoQ
|
$-20.8M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
1.9%
-6.2% YoY-5.1% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Top 8.8% in tier |
| NIM |
4.0%
+3.0% YoY+0.1% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
53.2%
+9.7% YoY+5.1% QoQ
|
-29.3% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
84.2%
-10.8% YoY-0.5% QoQ
|
+23.6% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$8,291
-6.0% YoY-0.4% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 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)