BlastPoint's Credit Union Scorecard
SYMPHONY
Charter #18861 · MA
SYMPHONY has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + Loan Growth Rate: Top 7.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Loan-to-Share Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.32% above tier (higher cost structure)
- - Delinquency rate 10.45% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.9% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Total Members: Bottom 5.0% in tier
- - Members Per Employee (MPE): Bottom 6.4% in tier
- - Net Worth Ratio: Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
212
+0.5% YoY-3.2% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 5.0% in tier |
| Assets |
$2.1M
+0.6% YoY+2.8% QoQ
|
$-28.1M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.0% in tier |
| Loans |
$1.7M
+13.4% YoY-5.4% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$1.9M
+0.5% YoY+2.5% QoQ
|
$-23.8M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-140.9% YoY+59.8% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
4.3%
+9.3% YoY+2.8% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
83.9%
-38.3% YoY-4.3% QoQ
|
+1.3% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
12.0%
+18.6% QoQ
|
+10.5 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 1.9% in tier |
| Loan To Share |
91.0%
+12.8% YoY-7.7% QoQ
|
+30.4% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 9.2% in tier |
| AMR |
$17,018
+5.8% YoY+1.8% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
36.2%
+0.7% YoY+0.8% QoQ
|
+11.7% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 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)