BlastPoint's Credit Union Scorecard
COMMON TRUST
Charter #17847 · MA
COMMON TRUST has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 70.9% YoY
- + Total Deposits: Top 0.1% in tier
- + Asset Growth Rate: Top 0.2% in tier
- + Deposit Growth Rate: Top 0.3% in tier
- + Member Growth Rate: Top 0.3% in tier
- + Total Assets: Top 0.6% in tier
- + Loan Growth Rate: Top 1.4% in tier
- + Total Loans: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 8.98% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,788
+70.9% YoY+19.9% QoQ
|
+3.1K |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Top 9.8% in tier |
| Assets |
$98.1M
+68.7% YoY+1.2% QoQ
|
+$67.9M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
Top 0.6% in tier |
| Loans |
$40.9M
+35.9% YoY+0.2% QoQ
|
+$25.6M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
Top 8.9% in tier |
| Deposits |
$91.1M
+64.5% YoY+1.2% QoQ
|
+$65.3M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
Top 0.1% in tier |
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| ROA |
0.1%
-43.0% YoY
|
+0.0% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
2.7%
-9.2% YoY-3.0% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 11.3% in tier |
| Efficiency Ratio |
99.6%
+9.5% YoY+2.2% QoQ
|
+9.0% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
0.3%
-43.4% YoY-32.1% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
44.9%
-17.4% YoY-1.1% QoQ
|
-13.6% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
29% |
| AMR |
$22,800
-9.7% YoY-15.8% QoQ
|
+$8K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Top 13.0% in tier |
| CD Concentration |
19.8%
+1.0% YoY+1.1% QoQ
|
-4.5% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 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)