BlastPoint's Credit Union Scorecard
M.O.S.E.S.
Charter #23627 · MA
2556 CUs in <100M nationally
67 in MA
M.O.S.E.S. has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 1.69% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.54% above tier (higher cost structure)
- - Member decline: -5.2% YoY
- - Deposit Growth Rate: Bottom 3.4% in tier
- - Asset Growth Rate: Bottom 4.0% in tier
- - AMR Growth Rate: Bottom 5.5% in tier
- - Loan Growth Rate: Bottom 5.6% in tier
- - Total Members: Bottom 7.0% in tier
- - Total Loans: Bottom 7.2% in tier
- - Total Assets: Bottom 7.7% in tier
- - Total Deposits: Bottom 7.9% in tier
- - Fee Income Per Member: Bottom 8.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
272
-5.2% YoY-3.5% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 6.9% in tier |
| Assets |
$1.6M
-10.5% YoY-4.1% QoQ
|
$-28.6M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.7% in tier |
| Loans |
$458,852
-20.2% YoY-14.0% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.1% in tier |
| Deposits |
$1.2M
-13.6% YoY-5.1% QoQ
|
$-24.5M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.9% in tier |
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| ROA |
0.8%
-61.0% YoY-20.4% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
5.6%
-8.1% YoY+0.9% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 5.9% in tier |
| Efficiency Ratio |
86.1%
+28.0% YoY+4.5% QoQ
|
+3.5% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.9%
-13.2% YoY
|
-0.6 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
37.8%
-7.6% YoY-9.3% QoQ
|
-22.8% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$6,146
-10.9% YoY-4.3% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.3% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
62
Net Charge-Off Rate
risk
Value:
-0.19%
Peer Median: -
#62 of 2556
Top 2.4% in <100M tier
152
Net Interest Margin (NIM)
profitability
Value:
5.65%
Peer Median: -
#152 of 2556
Top 5.9% in <100M tier
478
Net Worth Ratio
risk
Value:
21.17%
Peer Median: -
#478 of 2556
Top 18.7% in <100M tier
Top Weaknesses (13 metrics)
2469
Deposit Growth Rate
growth
Value:
-13.64%
Peer Median: -
#2469 of 2556
Bottom 3.4% in <100M tier
2455
Asset Growth Rate
growth
Value:
-10.53%
Peer Median: -
#2455 of 2556
Bottom 4.0% in <100M tier
2417
AMR Growth Rate
growth
Value:
-10.89%
Peer Median: -
#2417 of 2556
Bottom 5.5% in <100M tier
2415
Loan Growth Rate
growth
Value:
-20.20%
Peer Median: -
#2415 of 2556
Bottom 5.6% in <100M tier
2379
Total Members
engagement
Value:
272
Peer Median: -
#2379 of 2556
Bottom 7.0% in <100M tier
2374
Total Loans
balance_sheet
Value:
$458,852
Peer Median: -
#2374 of 2556
Bottom 7.2% in <100M tier
2360
Total Assets
balance_sheet
Value:
$1.56M
Peer Median: -
#2360 of 2556
Bottom 7.7% in <100M tier
2355
Total Deposits
balance_sheet
Value:
$1.21M
Peer Median: -
#2355 of 2556
Bottom 7.9% in <100M tier
2332
Fee Income Per Member
profitability
Value:
$1.94
Peer Median: -
#2332 of 2556
Bottom 8.8% in <100M tier
2308
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,687
Peer Median: -
#2308 of 2556
Bottom 9.7% in <100M tier