BlastPoint's Credit Union Scorecard

STONEHAM MUNICIPAL EMPLOYEES

Charter #15393 · MA

<100M

2508 CUs in <100M nationally 66 in MA

STONEHAM MUNICIPAL EMPLOYEES has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.74% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.26% above tier average
- Member decline: -5.1% YoY
- First Mortgage Concentration (%): Bottom 7.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	4,143 -5.1% YoY-0.2% QoQ	+1.5K	2,676 +1.6% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	80%
Assets	$70.4M -1.4% YoY+0.2% QoQ	+$40.2M	$30.2M +1.3% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	Top 12.0% in tier
Loans	$19.0M -7.5% YoY-1.5% QoQ	+$3.8M	$15.3M -2.0% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	69%
Deposits	$58.6M -3.2% YoY+0.1% QoQ	+$32.8M	$25.8M +0.7% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	Top 12.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +45.8% YoY-18.4% QoQ	+0.7%	0.1% -77.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	64%
NIM	3.2% -3.5% YoY-6.7% QoQ	-0.8%	4.0% +4.0% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	74.5% -10.4% YoY-2.6% QoQ	-16.2%	90.6% +6.5% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	1.8% -0.2% QoQ	+0.3	1.5% +3.8% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	78%
Loan To Share	32.5% -4.4% YoY-1.6% QoQ	-26.0%	58.5% -3.0% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	Bottom 13.9% in tier
AMR	$18,729 +0.8% YoY-0.1% QoQ	+$4K	$14,884 -1.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	72%
CD Concentration	11.5% +35.7% YoY+8.5% QoQ	-12.8%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

302

Total Assets

balance_sheet

Value: $70.38M

Peer Median: $21.86M

#302 of 2508 Top 12.0% in <100M tier

321

Total Deposits

balance_sheet

Value: $58.55M

Peer Median: $18.77M

#321 of 2508 Top 12.8% in <100M tier

492

Total Members

engagement

Value: 4,143

Peer Median: 1,918

#492 of 2508 Top 19.6% in <100M tier

Top Weaknesses (4 metrics)

2333

First Mortgage Concentration (%)

balance_sheet

Value: 52.71%

Peer Median: 3.66%

#2333 of 2508 Bottom 7.0% in <100M tier

2158

Loan-to-Share Ratio

balance_sheet

Value: 32.51%

Peer Median: 58.72%

#2158 of 2508 Bottom 14.0% in <100M tier

2091

Member Growth Rate

growth

Value: -5.11%

Peer Median: -1.37%

#2091 of 2508 Bottom 16.7% in <100M tier

1964

Total Delinquency Rate (60+ days)

risk

Value: 1.77%

Peer Median: 0.65%

#1964 of 2508 Bottom 21.7% in <100M tier