BlastPoint's Credit Union Scorecard
STOUGHTON TOWN EMPLOYEES
Charter #17437 · MA
STOUGHTON TOWN EMPLOYEES has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.78% above tier average
- + Net Interest Margin 0.90% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 3.8% in tier
- - Fee Income Per Member: Bottom 4.0% in tier
- - AMR Growth Rate: Bottom 4.3% in tier
- - Asset Growth Rate: Bottom 4.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
477
+0.6% YoY+1.5% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 12.8% in tier |
| Assets |
$2.5M
-10.2% YoY+1.8% QoQ
|
$-27.7M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.9% in tier |
| Loans |
$1.5M
-9.9% YoY-6.5% QoQ
|
$-14.2M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.9% in tier |
| Deposits |
$2.1M
-13.2% YoY+1.6% QoQ
|
$-23.6M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.5% in tier |
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| ROA |
1.4%
+18.9% YoY+10.8% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
4.9%
+12.4% YoY-0.6% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
73.1%
+23.1% YoY+6.9% QoQ
|
-9.4% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.2%
+815.9% YoY-86.9% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
74.9%
+3.7% YoY-8.0% QoQ
|
+14.2% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$7,519
-12.4% YoY-3.5% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -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)