BlastPoint's Credit Union Scorecard
SYMPHONY
Charter #18861 · MA
SYMPHONY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.45% below tier average
- - Delinquency rate 4.66% above tier average
- - Member decline: -6.6% YoY
- - Fee Income Per Member: Bottom 3.0% in tier
- - Net Charge-Off Rate: Bottom 3.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.6% in tier
- - Net Worth Ratio: Bottom 4.7% in tier
- - Total Members: Bottom 5.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits +7.3% year over year ($2.0M in shares and deposits).
- Membership: 213 members, -6.6% vs a year ago.
- Delinquency rate 6.21%.
- Return on assets 0.04%.
- Efficiency ratio 68.57% vs a 88.77% peer average.
- Loan-to-share ratio 72.42% vs a 58.89% 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 |
213
-6.6% YoY+1.9% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Bottom 5.2% in tier |
| Assets |
$2.2M
+7.2% YoY+2.4% QoQ
|
$-28.1M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.9% in tier |
| Loans |
$1.4M
-14.0% YoY-2.0% QoQ
|
$-14.0M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.2% in tier |
| Deposits |
$2.0M
+7.3% YoY+3.3% QoQ
|
$-23.8M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.2% in tier |
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| ROA |
0.0%
-85.6% YoY-98.5% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.1% in tier |
| NIM |
4.3%
+2.1% YoY-7.8% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
68.6%
-23.6% YoY+11.4% QoQ
|
-20.2% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
6.2%
-59.0% YoY+235.0% QoQ
|
+4.7 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.6% in tier |
| Loan To Share |
72.4%
-19.9% YoY-5.1% QoQ
|
+13.5% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$16,170
+4.0% YoY-0.9% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
36.7%
+2.4% YoY-1.9% QoQ
|
+12.1% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 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)