BlastPoint's Credit Union Scorecard
NEW ENGLAND TEAMSTERS
Charter #21507 · MA
NEW ENGLAND TEAMSTERS has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 3.6% in tier
- + Members Per Employee (MPE): Top 5.9% in tier
- + Total Deposits: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -16.0% YoY
- - Member Growth Rate: Bottom 2.3% in tier
- - First Mortgage Concentration (%): Bottom 7.5% in tier
- - Share Certificate Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,850
-16.0% YoY-6.2% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$73.3M
+1.8% YoY-3.4% QoQ
|
+$43.2M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Top 10.8% in tier |
| Loans |
$27.1M
-3.8% YoY-2.3% QoQ
|
+$11.3M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$65.2M
-0.2% YoY-4.1% QoQ
|
+$39.5M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 9.4% in tier |
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| ROA |
0.6%
-43.9% YoY-10.8% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
3.0%
-14.0% YoY+0.7% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
81.7%
+20.9% YoY+3.1% QoQ
|
-0.9% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
1.5%
-28.8% YoY+3.6% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
41.6%
-3.6% YoY+1.8% QoQ
|
-19.1% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$23,963
+17.5% YoY+2.8% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 10.1% in tier |
| CD Concentration |
39.3%
+578.2% YoY+14.2% QoQ
|
+14.9% | 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)