BlastPoint's Credit Union Scorecard
DEDHAM TOWN EMPLOYEES
Charter #15073 · MA
DEDHAM TOWN EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.93% above tier average
- + Strong member growth: 17.7% YoY
- + Member Growth Rate: Top 1.8% in tier
- + Net Charge-Off Rate: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.65% above tier average
- - AMR Growth Rate: Bottom 2.0% in tier
- - Loan Growth Rate: Bottom 5.6% in tier
- - Loan-to-Share Ratio: Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,063
+17.7% YoY-2.6% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$9.3M
+1.0% YoY-0.3% QoQ
|
$-20.9M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$2.0M
-21.2% YoY-10.5% QoQ
|
$-13.2M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$8.0M
+1.4% YoY-0.6% QoQ
|
$-17.8M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
1.1%
+36.3% YoY+160.4% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
3.7%
-7.5% YoY+11.2% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
78.7%
+1.1% YoY-3.7% QoQ
|
-11.9% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
43% |
| Delinquency Rate |
2.2%
+55.3% YoY+5.7% QoQ
|
+0.7 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
25.5%
-22.4% YoY-10.0% QoQ
|
-33.0% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.7% in tier |
| AMR |
$9,425
-18.6% YoY-0.2% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration |
24.6%
+20.4% YoY-11.6% QoQ
|
+0.3% | 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)