DEDHAM TOWN EMPLOYEES

Charter #15073 | MA

<100M (2596 CUs) Micro
68 <100M in MA

DEDHAM TOWN EMPLOYEES has 6 strengths but faces 5 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
  • + AMR Growth Rate: Top 1.0% in tier
  • + Net Charge-Off Rate: Top 1.5% in tier
  • + Deposit Growth Rate: Top 5.8% in tier
  • + Asset Growth Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.25% below tier average
  • - Delinquency rate 0.59% above tier average
  • - Member decline: -22.5% YoY
  • - Member Growth Rate: Bottom 1.4% in tier
  • - Loan-to-Share Ratio: Bottom 9.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 880
-22.5% YoY-1.3% QoQ
 -1.7K 2,625
-2.2% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 25th in tier
Assets $9.4M
+10.1% YoY-1.5% QoQ
 $-20.4M $29.9M
+1.1% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 31st in tier
Loans $2.4M
-11.3% YoY-3.0% QoQ
 $-13.4M $15.8M
-2.4% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 Bottom 19.8% in tier
Deposits $8.2M
+12.3% YoY-1.7% QoQ
 $-17.3M $25.5M
+0.4% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 32nd in tier
ROA 0.4%
-28.8% YoY+47.2% QoQ
 -0.3% 0.7%
-731.4% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 33rd in tier
NIM 3.3%
-14.1% YoY-4.6% QoQ
 -0.6% 3.9%
+3.8% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 28th in tier
Efficiency Ratio 79.1%
-2.2% YoY-2.3% QoQ
 -2.3% 81.4%
-2.4% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 52nd in tier
Delinquency Rate 2.1%
+15.7% YoY-8.2% QoQ
 +0.6 1.5%
-2.0% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 Top 19.0% in tier
Loan To Share 28.7%
-21.0% YoY-1.3% QoQ
 -32.5% 61.2%
-3.0% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 Bottom 8.8% in tier
AMR $11,962
+36.8% YoY-0.7% QoQ
 $-3K $14,627
-2.7% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 39th in tier
CD Concentration 27.2%
+61.2% YoY+5.0% QoQ
 +2.8% 24.4%
+4.2% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 50th in tier

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 2596 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
27
AMR Growth Rate
growth
Value: 36.81%
Peer Avg: 4.67%
#27 of 2596 Top 1.0% in <100M tier
39
Net Charge-Off Rate
risk
Value: -0.37%
Peer Avg: 0.57%
#39 of 2596 Top 1.5% in <100M tier
151
Deposit Growth Rate
growth
Value: 12.26%
Peer Avg: 16.80%
#151 of 2596 Top 5.8% in <100M tier
215
Asset Growth Rate
growth
Value: 10.14%
Peer Avg: 1.82%
#215 of 2596 Top 8.2% in <100M tier

Top Weaknesses (8 metrics)

2560
Member Growth Rate
growth
Value: -22.54%
Peer Avg: 14.92%
#2560 of 2596 Bottom 1.4% in <100M tier
2363
Loan-to-Share Ratio
balance_sheet
Value: 28.74%
Peer Avg: 61.23%
#2363 of 2596 Bottom 9.0% in <100M tier
2134
Loan Growth Rate
growth
Value: -11.29%
Peer Avg: 59.01%
#2134 of 2596 Bottom 17.8% in <100M tier
2103
Total Delinquency Rate (60+ days)
risk
Value: 2.10%
Peer Avg: 1.51%
#2103 of 2596 Bottom 19.0% in <100M tier
2082
Total Loans
balance_sheet
Value: $2.35M
Peer Avg: $15.77M
#2082 of 2596 Bottom 19.8% in <100M tier
2077
Loan-to-Member Ratio (LMR)
engagement
Value: $2,671
Peer Avg: $5,488
#2077 of 2596 Bottom 20.0% in <100M tier
2059
Share Certificate Concentration (%)
balance_sheet
Value: 27.18%
Peer Avg: 15.37%
#2059 of 2596 Bottom 20.7% in <100M tier
1954
Fee Income Per Member
profitability
Value: $16.94
Peer Avg: $182.96
#1954 of 2596 Bottom 24.8% in <100M tier