BlastPoint's Credit Union Scorecard
NORWOOD TOWN EMPLOYEES
Charter #17112 · MA
NORWOOD TOWN EMPLOYEES has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.38% above tier average
- + Net Worth Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Delinquency rate 3.33% above tier average
- - Member decline: -4.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 6.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits +1.1% year over year ($4.2M in shares and deposits).
- Membership: 744 members, -4.4% vs a year ago.
- Delinquency rate 4.88%.
- Return on assets 0.87%.
- Efficiency ratio 77.90% vs a 88.77% peer average.
- Loan-to-share ratio 72.94% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
744
-4.4% YoY-0.1% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$5.8M
+1.6% YoY-0.3% QoQ
|
$-24.5M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$3.1M
-5.0% YoY+2.4% QoQ
|
$-12.4M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$4.2M
+1.1% YoY-0.6% QoQ
|
$-21.6M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
0.9%
-31.3% YoY-26.7% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
53% |
| NIM |
4.3%
-2.3% YoY+2.5% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
77.9%
+11.1% YoY+7.2% QoQ
|
-10.9% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
4.9%
+97.6% YoY-0.2% QoQ
|
+3.3 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.6% in tier |
| Loan To Share |
72.9%
-6.0% YoY+3.0% QoQ
|
+14.0% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$9,841
+3.0% YoY+0.7% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
27% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 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)