BlastPoint's Credit Union Scorecard
NEW ENGLAND LEE
Charter #16383 · MA
NEW ENGLAND LEE has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.87% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.6% in tier
- + Net Charge-Off Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 3.8% in tier
- - Total Members: Bottom 6.5% in tier
- - Total Deposits: Bottom 8.2% in tier
- - Members Per Employee (MPE): Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
256
0% YoY+1.6% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 6.5% in tier |
| Assets |
$2.8M
0% YoY+2.7% QoQ
|
$-27.4M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.0% in tier |
| Loans |
$983,984
0% YoY-2.8% QoQ
|
$-14.8M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.1% in tier |
| Deposits |
$1.3M
0% YoY+8.9% QoQ
|
$-24.4M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.2% in tier |
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| ROA |
1.5%
+1.4% YoY+8.8% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
3.1%
+1.4% YoY-0.3% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
63.2%
0% YoY+5.9% QoQ
|
-19.3% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
15% |
| Delinquency Rate |
0.5%
0% YoY+85.9% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
77.9%
0% YoY-10.7% QoQ
|
+17.2% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$8,781
0% YoY+1.8% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
21.2%
0% YoY-13.6% QoQ
|
-3.2% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% QoQ
|
-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)