BlastPoint's Credit Union Scorecard

COMMON TRUST

Charter #17847 · MA

100M-500M

1024 CUs in 100M-500M nationally 32 in MA

COMMON TRUST has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Asset Growth Rate: Top 2.6% in tier
+ Deposit Growth Rate: Top 2.6% in tier
+ Total Delinquency Rate (60+ days): Top 3.1% in tier
+ AMR Growth Rate: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.70% below tier average
- Efficiency ratio 19.64% above tier (higher cost structure)
- Total Assets: Bottom 0.5% in tier
- Fee Income Per Member: Bottom 3.0% in tier
- Total Loans: Bottom 3.4% in tier
- Total Members: Bottom 5.2% in tier
- Total Deposits: Bottom 5.8% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
Shares and deposits +15.8% year over year ($93.7M in shares and deposits).
Membership: 5,690 members, +2.3% vs a year ago.
Delinquency rate 0.05%.
Return on assets 0.16%.
Efficiency ratio 96.38% vs a 76.73% peer average.
Loan-to-share ratio 45.43% vs a 71.54% 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	5,690 +2.3% YoY-1.7% QoQ	-9.5K	15,168 -2.6% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	Bottom 5.1% in tier
Assets	$100.8M +16.2% YoY+2.7% QoQ	$-131.2M	$232.0M +0.7% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	Bottom 0.4% in tier
Loans	$42.6M +9.0% YoY+4.2% QoQ	$-103.7M	$146.3M +0.2% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	Bottom 3.3% in tier
Deposits	$93.7M +15.8% YoY+2.9% QoQ	$-107.0M	$200.7M +0.2% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	Bottom 5.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -14.9% YoY+20.1% QoQ	-0.7%	0.9% +12.5% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	Bottom 6.6% in tier
NIM	2.9% -18.3% YoY+5.6% QoQ	-0.8%	3.7% +4.5% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	Bottom 9.5% in tier
Efficiency Ratio	96.4% +2.9% YoY-3.3% QoQ	+19.6%	76.7% -0.8% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	Bottom 3.1% in tier
Delinquency Rate	0.1% -79.5% YoY-79.1% QoQ	-0.8	0.9% +6.6% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	Top 3.1% in tier
Loan To Share	45.4% -5.9% YoY+1.2% QoQ	-26.1%	71.5% -0.3% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	Bottom 7.4% in tier
AMR	$23,962 +11.0% YoY+5.1% QoQ	$-1K	$25,107 +3.2% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	55%
CD Concentration	20.1% -9.5% YoY+1.7% QoQ	-4.5%	24.6%	25.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.4%	7.7%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#104 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 11.00%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Organic Growth Leader

growth

#184 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.32%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#251 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.32%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.16%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Concerns (1)

Efficiency Drag

risk

#10 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 96.38%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 2.32%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 16.16%

Peer Median: 4.12%

#28 of 1024 Top 2.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 15.78%

Peer Median: 3.58%

#28 of 1024 Top 2.6% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Median: 0.71%

#33 of 1024 Top 3.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.00%

Peer Median: 3.53%

#83 of 1024 Top 8.0% in 100M-500M tier

204

Loan Growth Rate

growth

Value: 9.00%

Peer Median: 3.02%

#204 of 1024 Top 19.8% in 100M-500M tier

251

Member Growth Rate

growth

Value: 2.32%

Peer Median: -0.03%

#251 of 1024 Top 24.4% in 100M-500M tier

Top Weaknesses (11 metrics)

1020

Total Assets

balance_sheet

Value: $100.82M

Peer Median: $196.38M

#1020 of 1024 Bottom 0.5% in 100M-500M tier

994

Fee Income Per Member

profitability

Value: $51.93

Peer Median: $159.88

#994 of 1024 Bottom 3.0% in 100M-500M tier

993

Efficiency Ratio

profitability

Value: 96.38%

Peer Median: 77.26%

#993 of 1024 Bottom 3.1% in 100M-500M tier

990

Total Loans

balance_sheet

Value: $42.59M

Peer Median: $124.04M

#990 of 1024 Bottom 3.4% in 100M-500M tier

972

Total Members

engagement

Value: 5,690

Peer Median: 13,128

#972 of 1024 Bottom 5.2% in 100M-500M tier

966

Total Deposits

balance_sheet

Value: $93.75M

Peer Median: $170.77M

#966 of 1024 Bottom 5.8% in 100M-500M tier

956

Return on Assets (ROA)

profitability

Value: 0.16%

Peer Median: 0.75%

#956 of 1024 Bottom 6.7% in 100M-500M tier

948

Loan-to-Share Ratio

balance_sheet

Value: 45.43%

Peer Median: 73.07%

#948 of 1024 Bottom 7.5% in 100M-500M tier

927

Net Interest Margin (NIM)

profitability

Value: 2.86%

Peer Median: 3.67%

#927 of 1024 Bottom 9.6% in 100M-500M tier

843

First Mortgage Concentration (%)

balance_sheet

Value: 47.29%

Peer Median: 29.92%

#843 of 1024 Bottom 17.8% in 100M-500M tier