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BlastPoint's Credit Union Scorecard

BURLINGTON MUNICIPAL EMPLOYEES

Charter #14865 · MA

<100M
2508 CUs in <100M nationally 66 in MA

BURLINGTON MUNICIPAL EMPLOYEES has 4 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 4.13% above tier average
  • + Net Interest Margin 0.96% above tier average
  • + Efficiency Ratio: Top 0.3% in tier
  • + Members Per Employee (MPE): Top 8.5% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -2.3% YoY

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 1,156
-2.3% YoY-0.7% QoQ
-1.5K 2,676
+1.6% YoY
33,485
+24.8% YoY
33,913
+5.7% YoY
32%
Assets $11.0M
+5.0% YoY+1.8% QoQ
$-19.2M $30.2M
+1.3% YoY
$590.7M
+35.2% YoY
$578.3M
+9.0% YoY
34%
Loans $5.0M
+7.2% YoY-2.2% QoQ
$-10.2M $15.3M
-2.0% YoY
$447.1M
+33.6% YoY
$402.4M
+8.7% YoY
34%
Deposits $9.4M
+3.4% YoY+1.5% QoQ
$-16.4M $25.8M
+0.7% YoY
$496.3M
+36.0% YoY
$494.3M
+9.1% YoY
34%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 4.3%
+112.9% YoY+124.0% QoQ
+4.1% 0.1%
-77.6% YoY
0.7%
+27.7% YoY
0.4%
-39.2% YoY
Top 0.8% in tier
NIM 5.0%
+9.7% YoY+11.7% QoQ
+1.0% 4.0%
+4.0% YoY
3.3%
+3.6% YoY
3.8%
+4.1% YoY
Top 12.2% in tier
Efficiency Ratio 14.5%
-74.6% YoY-75.3% QoQ
-76.1% 90.6%
+6.5% YoY
80.2%
-4.6% YoY
84.6%
+2.8% YoY
Top 0.3% in tier
Delinquency Rate 0.1%
-94.8% QoQ
-1.4 1.5%
+3.8% YoY
0.7%
-9.8% YoY
1.2%
+3.4% YoY
20%
Loan To Share 53.7%
+3.6% YoY-3.6% QoQ
-4.8% 58.5%
-3.0% YoY
71.5%
-1.7% YoY
65.6%
-1.4% YoY
43%
AMR $12,466
+7.2% YoY+0.9% QoQ
$-2K $14,884
-1.7% YoY
$25,479
+3.4% YoY
$19,920
+1.6% YoY
42%
CD Concentration 18.3%
+41.6% YoY+9.4% QoQ
-6.0% 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)

Comparing against 2508 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
9
Efficiency Ratio
profitability
Value: 14.54%
Peer Median: 81.45%
#9 of 2508 Top 0.3% in <100M tier
20
Return on Assets (ROA)
profitability
Value: 4.28%
Peer Median: 0.61%
#20 of 2508 Top 0.8% in <100M tier
214
Members Per Employee (MPE)
engagement
Value: 578.000
Peer Median: 333.750
#214 of 2508 Top 8.5% in <100M tier
305
Net Interest Margin (NIM)
profitability
Value: 4.97%
Peer Median: 3.83%
#305 of 2508 Top 12.1% in <100M tier
367
Loan Growth Rate
growth
Value: 7.19%
Peer Median: -2.36%
#367 of 2508 Top 14.6% in <100M tier
411
AMR Growth Rate
growth
Value: 7.16%
Peer Median: 1.27%
#411 of 2508 Top 16.3% in <100M tier
508
Total Delinquency Rate (60+ days)
risk
Value: 0.08%
Peer Median: 0.65%
#508 of 2508 Top 20.2% in <100M tier
601
Asset Growth Rate
growth
Value: 5.05%
Peer Median: 1.30%
#601 of 2508 Top 23.9% in <100M tier

Top Weaknesses (2 metrics)

2188
Fee Income Per Member
profitability
Value: $3.36
Peer Median: $60.42
#2188 of 2508 Bottom 12.8% in <100M tier
2169
Net Charge-Off Rate
risk
Value: 1.03%
Peer Median: 0.07%
#2169 of 2508 Bottom 13.6% in <100M tier
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