BlastPoint's Credit Union Scorecard
DEDHAM TOWN EMPLOYEES
Charter #15073 · MA
DEDHAM TOWN EMPLOYEES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Delinquency rate 0.48% above tier average
- - Member decline: -3.9% YoY
- - Loan-to-Share Ratio: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,091
-3.9% YoY+24.0% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$9.3M
+5.4% YoY-1.4% QoQ
|
$-20.9M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$2.3M
-11.7% YoY-3.2% QoQ
|
$-13.5M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$8.0M
+5.9% YoY-1.8% QoQ
|
$-17.7M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.4%
-116.2% YoY-3.4% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
3.4%
+832.7% YoY+1.0% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
81.8%
-85.2% YoY+3.3% QoQ
|
-0.8% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
2.0%
+29108.7% YoY-2.8% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
28.3%
-16.6% YoY-1.5% QoQ
|
-32.3% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.8% in tier |
| AMR |
$9,448
+5.5% YoY-21.0% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
27.8%
+58.7% YoY+2.3% QoQ
|
+3.4% | 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)