BlastPoint's Credit Union Scorecard
SYMPHONY
Charter #18861 · MA
2596 CUs in <100M nationally
68 in MA
SYMPHONY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 3.3% in tier
- + Loan-to-Share Ratio: Top 4.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency ratio 6.27% above tier (higher cost structure)
- - Delinquency rate 8.62% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.4% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Members: Bottom 5.2% in tier
- - Net Worth Ratio: Bottom 6.5% in tier
- - Total Assets: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
219
+2.8% YoY-3.9% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 5.2% in tier |
| Assets |
$2.0M
-3.7% YoY-0.7% QoQ
|
$-27.8M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.9% in tier |
| Loans |
$1.8M
+20.0% YoY+8.0% QoQ
|
$-14.0M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$1.8M
-2.7% YoY-1.0% QoQ
|
$-23.6M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.4% in tier |
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| ROA |
0.4%
-141.7% YoY+16.8% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
4.2%
+7.6% YoY+0.2% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
87.7%
-28.4% YoY-2.3% QoQ
|
+6.3% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
10.1%
-17.1% YoY-33.1% QoQ
|
+8.6 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 2.4% in tier |
| Loan To Share |
98.6%
+23.3% YoY+9.1% QoQ
|
+37.4% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 5.0% in tier |
| AMR |
$16,716
+4.4% YoY+7.6% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration |
35.9%
-1.9% YoY+0.1% QoQ
|
+11.5% |
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)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
87
Loan Growth Rate
growth
Value:
19.98%
Peer Avg: -
#87 of 2596
Top 3.3% in <100M tier
126
Loan-to-Share Ratio
balance_sheet
Value:
98.61%
Peer Avg: -
#126 of 2596
Top 4.8% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
341
Member Growth Rate
growth
Value:
2.82%
Peer Avg: -
#341 of 2596
Top 13.1% in <100M tier
422
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,300
Peer Avg: -
#422 of 2596
Top 16.2% in <100M tier
Top Weaknesses (10 metrics)
2534
Total Delinquency Rate (60+ days)
risk
Value:
10.13%
Peer Avg: -
#2534 of 2596
Bottom 2.4% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2461
Total Members
engagement
Value:
219
Peer Avg: -
#2461 of 2596
Bottom 5.2% in <100M tier
2429
Net Worth Ratio
risk
Value:
8.44%
Peer Avg: -
#2429 of 2596
Bottom 6.5% in <100M tier
2339
Total Assets
balance_sheet
Value:
$2.03M
Peer Avg: -
#2339 of 2596
Bottom 9.9% in <100M tier
2321
Share Certificate Concentration (%)
balance_sheet
Value:
35.88%
Peer Avg: -
#2321 of 2596
Bottom 10.6% in <100M tier
2300
Total Deposits
balance_sheet
Value:
$1.84M
Peer Avg: -
#2300 of 2596
Bottom 11.4% in <100M tier
2170
Total Loans
balance_sheet
Value:
$1.82M
Peer Avg: -
#2170 of 2596
Bottom 16.4% in <100M tier
2112
Asset Growth Rate
growth
Value:
-3.69%
Peer Avg: -
#2112 of 2596
Bottom 18.7% in <100M tier
2104
Members Per Employee (MPE)
engagement
Value:
219.000
Peer Avg: -
#2104 of 2596
Bottom 19.0% in <100M tier