BlastPoint's Credit Union Scorecard

LOWELL MUNICIPAL EMPLOYEES

Charter #2065 ยท MA

2596 CUs in <100M nationally 68 in MA

LOWELL MUNICIPAL EMPLOYEES has 6 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.11% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Asset Growth Rate: Top 5.6% in tier
  • + Deposit Growth Rate: Top 5.9% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.12% below tier average
  • - Efficiency ratio 4.96% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 3.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 1,300
+2.4% YoY+1.9% QoQ
-1.3K 2,625
-2.2% YoY
27,447
+2.6% YoY
33,089
+6.1% YoY
36%
Assets $8.5M
+11.9% YoY+11.2% QoQ
$-21.3M $29.9M
+1.1% YoY
$440.2M
+4.2% YoY
$547.7M
+7.8% YoY
29%
Loans $5.3M
-3.7% YoY-2.7% QoQ
$-10.5M $15.8M
-2.4% YoY
$341.2M
+2.4% YoY
$388.7M
+8.6% YoY
36%
Deposits $7.8M
+12.0% YoY+12.3% QoQ
$-17.6M $25.5M
+0.4% YoY
$366.8M
+5.5% YoY
$464.6M
+9.3% YoY
31%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights โ€” always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard โ†’

ROA 0.6%
-47.8% YoY+5.0% QoQ
-0.1% 0.7%
-731.4% YoY
0.7%
+17.3% YoY
0.7%
+273.4% YoY
40%
NIM 4.0%
-3.5% YoY-5.5% QoQ
+0.1% 3.9%
+3.8% YoY
3.3%
+3.8% YoY
3.7%
+5.0% YoY
56%
Efficiency Ratio 86.4%
+15.6% YoY-1.6% QoQ
+5.0% 81.4%
-2.4% YoY
80.4%
-4.7% YoY
79.1%
-3.3% YoY
70%
Delinquency Rate 0.1%
+0.4% QoQ
-1.5 1.5%
-2.0% YoY
0.9%
-6.0% YoY
1.2%
-0.9% YoY
18%
Loan To Share 67.7%
-14.0% YoY-13.3% QoQ
+6.4% 61.2%
-3.0% YoY
74.2%
-1.7% YoY
68.0%
-1.7% YoY
59%
AMR $10,091
+2.6% YoY+3.8% QoQ
$-5K $14,627
-2.7% YoY
$24,707
+3.7% YoY
$19,418
+1.3% YoY
29%
CD Concentration 7.6%
+12.0% YoY-7.5% QoQ
-16.8% 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)

Comparing against 2596 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
147
Asset Growth Rate
growth
Value: 11.87%
Peer Avg: -
#147 of 2596 Top 5.6% in <100M tier
154
Deposit Growth Rate
growth
Value: 12.00%
Peer Avg: -
#154 of 2596 Top 5.9% in <100M tier
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: -
#246 of 2596 Top 9.4% in <100M tier
388
Member Growth Rate
growth
Value: 2.36%
Peer Avg: -
#388 of 2596 Top 14.9% in <100M tier
460
Total Delinquency Rate (60+ days)
risk
Value: 0.06%
Peer Avg: -
#460 of 2596 Top 17.7% in <100M tier

Top Weaknesses (2 metrics)

2496
Net Worth Ratio
risk
Value: 7.79%
Peer Avg: -
#2496 of 2596 Bottom 3.9% in <100M tier
2202
Fee Income Per Member
profitability
Value: $5.77
Peer Avg: -
#2202 of 2596 Bottom 15.2% in <100M tier
Link copied to clipboard!