BlastPoint's Credit Union Scorecard

MARBLEHEAD MUNICIPAL

Charter #23276 · MA

<100M

2508 CUs in <100M nationally 66 in MA

MARBLEHEAD MUNICIPAL has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.55% above tier average

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 4.8% in tier
- Fee Income Per Member: Bottom 5.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	1,230 +0.2% YoY+0.5% QoQ	-1.4K	2,676 +1.6% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	34%
Assets	$12.9M +6.8% YoY+3.0% QoQ	$-17.3M	$30.2M +1.3% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	37%
Loans	$8.3M -1.5% YoY-2.9% QoQ	$-6.9M	$15.3M -2.0% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	46%
Deposits	$10.8M +7.4% YoY+3.4% QoQ	$-15.0M	$25.8M +0.7% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -0.8% YoY+10.6% QoQ	+0.5%	0.1% -77.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	54%
NIM	3.0% -0.3% YoY-2.1% QoQ	-1.0%	4.0% +4.0% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	18%
Efficiency Ratio	74.0% -6.8% YoY-7.0% QoQ	-16.6%	90.6% +6.5% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	33%
Delinquency Rate	0.5% +114.6% YoY-49.2% QoQ	-1.1	1.5% +3.8% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	42%
Loan To Share	77.0% -8.3% YoY-6.1% QoQ	+18.5%	58.5% -3.0% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	78%
AMR	$15,575 +3.2% YoY+0.1% QoQ	+$690	$14,884 -1.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	59%
CD Concentration	46.7% +11.2% YoY+3.3% QoQ	+22.4%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

359

Deposit Growth Rate

growth

Value: 7.44%

Peer Median: 0.66%

#359 of 2508 Top 14.3% in <100M tier

388

Asset Growth Rate

growth

Value: 6.83%

Peer Median: 1.30%

#388 of 2508 Top 15.4% in <100M tier

552

Loan-to-Share Ratio

balance_sheet

Value: 76.99%

Peer Median: 58.72%

#552 of 2508 Top 22.0% in <100M tier

Top Weaknesses (3 metrics)

2389

Share Certificate Concentration (%)

balance_sheet

Value: 46.70%

Peer Median: 12.45%

#2389 of 2508 Bottom 4.8% in <100M tier

2378

Fee Income Per Member

profitability

Value: $0.08

Peer Median: $60.42

#2378 of 2508 Bottom 5.2% in <100M tier

2066

Net Interest Margin (NIM)

profitability

Value: 2.96%

Peer Median: 3.83%

#2066 of 2508 Bottom 17.7% in <100M tier