BlastPoint's Credit Union Scorecard
COMMON TRUST
Charter #17847 · MA
COMMON TRUST has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 42.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 0.3% in tier
- + Asset Growth Rate: Top 0.3% in tier
- + Member Growth Rate: Top 0.7% in tier
- + Total Deposits: Top 2.7% in tier
- + Loan Growth Rate: Top 4.2% in tier
- + Total Assets: Top 5.1% in tier
- + Average Member Relationship (AMR): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 7.19% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,882
+42.8% YoY-12.2% QoQ
|
+2.3K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Top 14.9% in tier |
| Assets |
$86.1M
+57.2% YoY-0.8% QoQ
|
+$56.3M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Top 5.1% in tier |
| Loans |
$36.8M
+17.9% YoY-5.8% QoQ
|
+$21.1M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Top 12.8% in tier |
| Deposits |
$79.9M
+54.6% YoY-1.3% QoQ
|
+$54.5M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Top 2.7% in tier |
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| ROA |
0.2%
-16.1% YoY+17.6% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
2.3%
-26.9% YoY-34.3% QoQ
|
-1.6% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio |
88.6%
+0.6% YoY-5.5% QoQ
|
+7.2% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.4%
+12.2% YoY+67.1% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
46.1%
-23.7% YoY-4.5% QoQ
|
-15.1% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$23,910
-1.4% YoY+10.8% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 9.9% in tier |
| CD Concentration |
21.1%
-0.2% YoY-4.8% QoQ
|
-3.3% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
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)