BlastPoint's Credit Union Scorecard
CRANBERRY
Charter #14850 · MA
CRANBERRY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 3.9% in tier
- + Loan-to-Member Ratio (LMR): Top 4.4% in tier
- + Loan Growth Rate: Top 4.5% in tier
- + Average Member Relationship (AMR): Top 5.2% in tier
- + Fee Income Per Member: Top 7.9% in tier
- + Total Loans: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Member decline: -10.1% YoY
- - Net Worth Ratio: Bottom 5.5% in tier
- - Member Growth Rate: Bottom 5.9% in tier
- - First Mortgage Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,447
-10.1% YoY-0.5% QoQ
|
+770 |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
73% |
| Assets |
$62.7M
-2.5% YoY+1.9% QoQ
|
+$32.5M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$41.5M
+17.1% YoY+5.3% QoQ
|
+$26.2M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
Top 8.5% in tier |
| Deposits |
$56.9M
-2.7% YoY+2.0% QoQ
|
+$31.2M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
Top 14.0% in tier |
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| ROA |
0.0%
-86.0% YoY-71.0% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
3.3%
+25.5% YoY+11.9% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
27% |
| Efficiency Ratio |
85.8%
-6.5% YoY-6.0% QoQ
|
-4.8% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
0.4%
+7.2% YoY+7.8% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
72.8%
+20.4% YoY+3.3% QoQ
|
+14.3% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
71% |
| AMR |
$28,549
+16.6% YoY+3.9% QoQ
|
+$14K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Top 5.2% in tier |
| CD Concentration |
21.7%
-10.0% YoY-5.3% QoQ
|
-2.6% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 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)