BlastPoint's Credit Union Scorecard
LOWELL MUNICIPAL EMPLOYEES
Charter #2065 · MA
LOWELL MUNICIPAL EMPLOYEES has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 3.8% in tier
- + Deposit Growth Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 4.84% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,271
-1.0% YoY-2.2% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$8.4M
+13.9% YoY-0.7% QoQ
|
$-21.7M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$5.1M
-8.4% YoY-3.0% QoQ
|
$-10.6M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$7.8M
+14.7% YoY-0.9% QoQ
|
$-17.9M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
0.5%
-58.3% YoY-12.2% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
3.8%
-10.4% YoY-4.9% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
87.4%
+19.9% YoY+1.2% QoQ
|
+4.8% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
66.2%
-20.1% YoY-2.1% QoQ
|
+5.6% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$10,143
+5.3% YoY+0.5% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
8.6%
+13.5% YoY+13.3% QoQ
|
-15.8% | 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)