BlastPoint's Credit Union Scorecard
BEVERLY MUNICIPAL
Charter #24192 · MA
BEVERLY MUNICIPAL has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Loan Growth Rate: Top 6.5% in tier
- + Loan-to-Member Ratio (LMR): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 3.3% in tier
- - Net Worth Ratio: Bottom 5.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,893
+0.3% YoY-0.7% QoQ
|
-783 |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$26.6M
+5.0% YoY-0.5% QoQ
|
$-3.6M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$19.6M
+13.6% YoY+5.4% QoQ
|
+$4.4M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$23.7M
+4.6% YoY-1.4% QoQ
|
$-2.1M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
57% |
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| ROA |
0.9%
+127.9% YoY+64.7% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
2.9%
+17.6% YoY+6.9% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 15.0% in tier |
| Efficiency Ratio |
70.0%
-17.3% YoY-14.2% QoQ
|
-20.6% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
26% |
| Delinquency Rate |
0.2%
+104.2% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
27% |
| Loan To Share |
82.9%
+8.5% YoY+6.8% QoQ
|
+24.4% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
85% |
| AMR |
$22,895
+8.2% YoY+2.3% QoQ
|
+$8K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Top 12.8% in tier |
| CD Concentration |
50.9%
+5.9% YoY-5.5% QoQ
|
+26.6% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 7.7% | 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)