BlastPoint's Credit Union Scorecard
SYMPHONY
Charter #18861 · MA
SYMPHONY has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.81% above tier average
- + Net Interest Margin 0.62% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.35% above tier average
- - Fee Income Per Member: Bottom 4.7% in tier
- - Total Members: Bottom 4.9% in tier
- - Members Per Employee (MPE): Bottom 6.5% in tier
- - Share Certificate Concentration (%): Bottom 9.5% in tier
- - Total Assets: Bottom 10.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
209
-1.9% YoY-1.4% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 4.9% in tier |
| Assets |
$2.1M
+2.4% YoY+2.5% QoQ
|
$-28.1M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.9% in tier |
| Loans |
$1.5M
-5.8% YoY-14.2% QoQ
|
$-13.8M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.8% in tier |
| Deposits |
$1.9M
+2.2% YoY+2.4% QoQ
|
$-23.8M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.2% in tier |
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| ROA |
3.0%
-1378.1% YoY+409.9% QoQ
|
+2.8% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
Top 2.2% in tier |
| NIM |
4.6%
+32.5% YoY+7.4% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
61.6%
-42.3% YoY-26.6% QoQ
|
-29.1% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
Top 13.7% in tier |
| Delinquency Rate |
1.9%
-84.1% YoY-84.6% QoQ
|
+0.3 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
76.3%
-7.8% YoY-16.2% QoQ
|
+17.8% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$16,316
+0.5% YoY-4.1% QoQ
|
+$1K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
62% |
| CD Concentration |
37.4%
+0.9% YoY+3.5% QoQ
|
+13.1% | 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)