M.O.S.E.S.
Charter #23627 | MA
<100M
(2596 CUs)
Micro
($0-$500M)
68 <100M in MA
M.O.S.E.S. has 7 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 1.66% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + 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 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.98% above tier (higher cost structure)
- - Member decline: -3.8% YoY
- - Deposit Growth Rate: Bottom 4.4% in tier
- - Asset Growth Rate: Bottom 5.5% in tier
- - Total Members: Bottom 7.6% in tier
- - Total Loans: Bottom 7.9% in tier
- - Total Assets: Bottom 8.2% in tier
- - Total Deposits: Bottom 8.5% in tier
- - AMR Growth Rate: Bottom 8.9% in tier
- - Fee Income Per Member: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
282
-3.8% YoY-1.1% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 7.5% in tier |
| Assets |
$1.6M
-9.9% YoY-1.8% QoQ
|
$-28.2M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.1% in tier |
| Loans |
$533,263
-10.7% YoY-2.2% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.9% in tier |
| Deposits |
$1.3M
-13.0% YoY-2.6% QoQ
|
$-24.2M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.4% in tier |
| ROA |
1.0%
-56.1% YoY+17.4% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
61st in tier |
| NIM |
5.6%
-9.6% YoY+2.1% QoQ
|
+1.7% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 6.6% in tier |
| Efficiency Ratio |
82.4%
+29.3% YoY-2.7% QoQ
|
+1.0% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
60th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
41.7%
+2.6% YoY+0.5% QoQ
|
-19.5% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 21.0% in tier |
| AMR |
$6,422
-8.9% YoY-1.4% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
172
Net Interest Margin (NIM)
profitability
Value:
5.59%
Peer Avg: 3.93%
#172 of 2596
Top 6.6% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
550
Net Worth Ratio
risk
Value:
20.29%
Peer Avg: 16.43%
#550 of 2596
Top 21.1% in <100M tier
Top Weaknesses (12 metrics)
2482
Deposit Growth Rate
growth
Value:
-13.02%
Peer Avg: 16.80%
#2482 of 2596
Bottom 4.4% in <100M tier
2454
Asset Growth Rate
growth
Value:
-9.89%
Peer Avg: 1.82%
#2454 of 2596
Bottom 5.5% in <100M tier
2400
Total Members
engagement
Value:
282
Peer Avg: 2,626
#2400 of 2596
Bottom 7.6% in <100M tier
2392
Total Loans
balance_sheet
Value:
$533,263
Peer Avg: $15.77M
#2392 of 2596
Bottom 7.9% in <100M tier
2385
Total Assets
balance_sheet
Value:
$1.62M
Peer Avg: $29.86M
#2385 of 2596
Bottom 8.2% in <100M tier
2377
Total Deposits
balance_sheet
Value:
$1.28M
Peer Avg: $25.45M
#2377 of 2596
Bottom 8.5% in <100M tier
2367
AMR Growth Rate
growth
Value:
-8.94%
Peer Avg: 4.67%
#2367 of 2596
Bottom 8.9% in <100M tier
2349
Fee Income Per Member
profitability
Value:
$1.79
Peer Avg: $182.96
#2349 of 2596
Bottom 9.6% in <100M tier
2291
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,891
Peer Avg: $5,488
#2291 of 2596
Bottom 11.8% in <100M tier
2255
Average Member Relationship (AMR)
engagement
Value:
$6,422
Peer Avg: $14,627
#2255 of 2596
Bottom 13.2% in <100M tier