BlastPoint's Credit Union Scorecard
CRANBERRY
Charter #14850 · MA
CRANBERRY has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 2.5% in tier
- + Loan-to-Member Ratio (LMR): Top 3.9% in tier
- + AMR Growth Rate: Top 4.9% in tier
- + Average Member Relationship (AMR): Top 5.0% in tier
- + Total Loans: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Member decline: -6.4% YoY
- - Net Worth Ratio: Bottom 4.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits -1.5% year over year ($57.8M in shares and deposits).
- Membership: 3,482 members, -6.4% vs a year ago.
- Delinquency rate 0.66%.
- Return on assets 0.25%.
- Efficiency ratio 84.59% vs a 88.77% peer average.
- Loan-to-share ratio 76.11% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,482
-6.4% YoY+1.0% QoQ
|
+896 |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$63.3M
-1.3% YoY+1.0% QoQ
|
+$33.1M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$44.0M
+22.9% YoY+6.1% QoQ
|
+$28.5M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
Top 7.8% in tier |
| Deposits |
$57.8M
-1.5% YoY+1.5% QoQ
|
+$32.0M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
Top 13.5% in tier |
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| ROA | 0.2% | -1.2% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
3.4%
+29.5% YoY+3.2% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
29% |
| Efficiency Ratio |
84.6%
-11.2% YoY-1.5% QoQ
|
-4.2% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
60% |
| Delinquency Rate |
0.7%
+27.0% YoY+48.4% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
76.1%
+24.7% YoY+4.5% QoQ
|
+17.2% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$29,241
+15.2% YoY+2.4% QoQ
|
+$14K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 5.0% in tier |
| CD Concentration |
21.9%
-10.3% YoY+0.6% QoQ
|
-2.7% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 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)