BlastPoint's Credit Union Scorecard
DEDHAM TOWN EMPLOYEES
Charter #15073 · 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
|
25% |
| 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
|
31% |
| 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
|
20% |
| 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
|
32% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| 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
|
33% |
| 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
|
28% |
| 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
|
52% |
| 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
|
81% |
| 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
|
39% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
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)