BlastPoint's Credit Union Scorecard
COMMON TRUST
Charter #17847 · MA
COMMON TRUST has 11 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 42.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 0.0% in tier
- + Asset Growth Rate: Top 0.2% in tier
- + Deposit Growth Rate: Top 0.3% in tier
- + Member Growth Rate: Top 0.5% in tier
- + Total Assets: Top 1.1% in tier
- + Loan Growth Rate: Top 1.4% in tier
- + Average Member Relationship (AMR): Top 6.0% in tier
- + Total Loans: Top 9.8% in tier
- + AMR Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency ratio 14.91% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,827
+42.1% YoY-1.1% QoQ
|
+2.2K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
85% |
| Assets |
$97.0M
+74.0% YoY+12.6% QoQ
|
+$66.9M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Top 1.1% in tier |
| Loans |
$40.8M
+34.4% YoY+10.8% QoQ
|
+$25.1M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Top 9.8% in tier |
| Deposits |
$90.0M
+69.1% YoY+12.6% QoQ
|
+$64.3M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 0.1% in tier |
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| ROA |
-0.0%
-110.0% YoY-112.1% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
2.8%
-10.7% YoY+21.5% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.7% in tier |
| Efficiency Ratio |
97.5%
+9.9% YoY+10.0% QoQ
|
+14.9% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 14.1% in tier |
| Delinquency Rate |
0.4%
-3.6% YoY-13.6% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
45.4%
-20.5% YoY-1.5% QoQ
|
-15.2% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$27,093
+10.1% YoY+13.3% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 6.0% in tier |
| CD Concentration |
19.5%
-8.8% YoY-7.6% QoQ
|
-4.9% | 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)