BlastPoint's Credit Union Scorecard
M.O.S.E.S.
Charter #23627 · MA
<100M
2508 CUs in <100M nationally
66 in MA
M.O.S.E.S. has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.07% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Efficiency ratio 11.91% above tier (higher cost structure)
- - Member decline: -7.3% YoY
- - Deposit Growth Rate: Bottom 3.0% in tier
- - Loan Growth Rate: Bottom 3.3% in tier
- - Asset Growth Rate: Bottom 3.3% in tier
- - AMR Growth Rate: Bottom 5.5% in tier
- - Total Loans: Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
267
-7.3% YoY-1.8% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 6.9% in tier |
| Assets |
$1.5M
-11.5% YoY-3.0% QoQ
|
$-28.7M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.6% in tier |
| Loans |
$410,828
-26.7% YoY-10.5% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.7% in tier |
| Deposits |
$1.2M
-14.6% YoY-3.7% QoQ
|
$-24.6M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.7% in tier |
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| ROA |
-0.1%
-111.9% YoY-116.4% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
5.1%
-3.9% YoY-10.1% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Top 10.5% in tier |
| Efficiency Ratio |
102.5%
+28.8% YoY+19.1% QoQ
|
+11.9% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.8% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
35.2%
-14.2% YoY-7.0% QoQ
|
-23.3% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$5,913
-11.7% YoY-3.8% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.5% in tier |
| CD Concentration | 0.0% | -24.3% | 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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
263
Net Interest Margin (NIM)
profitability
Value:
5.07%
Peer Median: 3.83%
#263 of 2508
Top 10.4% in <100M tier
428
Net Worth Ratio
risk
Value:
21.79%
Peer Median: 14.28%
#428 of 2508
Top 17.0% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (15 metrics)
2435
Deposit Growth Rate
growth
Value:
-14.64%
Peer Median: 0.66%
#2435 of 2508
Bottom 3.0% in <100M tier
2426
Loan Growth Rate
growth
Value:
-26.74%
Peer Median: -2.36%
#2426 of 2508
Bottom 3.3% in <100M tier
2425
Asset Growth Rate
growth
Value:
-11.54%
Peer Median: 1.30%
#2425 of 2508
Bottom 3.3% in <100M tier
2371
AMR Growth Rate
growth
Value:
-11.72%
Peer Median: 1.27%
#2371 of 2508
Bottom 5.5% in <100M tier
2339
Total Loans
balance_sheet
Value:
$410,828
Peer Median: $9.48M
#2339 of 2508
Bottom 6.8% in <100M tier
2336
Total Members
engagement
Value:
267
Peer Median: 1,918
#2336 of 2508
Bottom 6.9% in <100M tier
2318
Total Assets
balance_sheet
Value:
$1.51M
Peer Median: $21.86M
#2318 of 2508
Bottom 7.6% in <100M tier
2315
Total Deposits
balance_sheet
Value:
$1.17M
Peer Median: $18.77M
#2315 of 2508
Bottom 7.7% in <100M tier
2279
Fee Income Per Member
profitability
Value:
$1.44
Peer Median: $60.42
#2279 of 2508
Bottom 9.2% in <100M tier
2275
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,539
Peer Median: $4,923
#2275 of 2508
Bottom 9.3% in <100M tier