BEVERLY MUNICIPAL

Charter #24192 | MA

<100M (2596 CUs) Micro
68 <100M in MA

BEVERLY MUNICIPAL has 6 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Deposit Growth Rate: Top 1.6% in tier
  • + Asset Growth Rate: Top 1.7% in tier
  • + AMR Growth Rate: Top 2.9% in tier
  • + Loan Growth Rate: Top 3.9% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.21% below tier average
  • - Efficiency ratio 1.32% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 3.1% in tier
  • - Net Worth Ratio: Bottom 5.0% in tier
  • - Net Interest Margin (NIM): 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 1,875
+1.9% YoY-1.4% QoQ
 -750 2,625
-2.2% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 49th in tier
Assets $25.9M
+20.8% YoY+0.6% QoQ
 $-3.9M $29.9M
+1.1% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 55th in tier
Loans $18.3M
+18.2% YoY+6.7% QoQ
 +$2.6M $15.8M
-2.4% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $23.2M
+22.9% YoY+0.2% QoQ
 $-2.3M $25.5M
+0.4% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 57th in tier
ROA 0.5%
+20.7% YoY+51.1% QoQ
 -0.2% 0.7%
-731.4% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 35th in tier
NIM 2.6%
+3.9% YoY+3.8% QoQ
 -1.3% 3.9%
+3.8% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 9.5% in tier
Efficiency Ratio 82.7%
-2.3% YoY-5.9% QoQ
 +1.3% 81.4%
-2.4% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 61st in tier
Delinquency Rate 0.1% -1.4 1.5%
-2.0% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 Bottom 20.1% in tier
Loan To Share 79.1%
-3.8% YoY+6.5% QoQ
 +17.9% 61.2%
-3.0% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 23.8% in tier
AMR $22,152
+18.5% YoY+4.4% QoQ
 +$8K $14,627
-2.7% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 Top 13.7% in tier
CD Concentration 50.5%
+23.8% YoY+8.0% QoQ
 +26.1% 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)

Comparing against 2596 peers in tier

Top Strengths (11 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
43
Deposit Growth Rate
growth
Value: 22.92%
Peer Avg: 16.80%
#43 of 2596 Top 1.6% in <100M tier
44
Asset Growth Rate
growth
Value: 20.79%
Peer Avg: 1.82%
#44 of 2596 Top 1.7% in <100M tier
76
AMR Growth Rate
growth
Value: 18.54%
Peer Avg: 4.67%
#76 of 2596 Top 2.9% in <100M tier
103
Loan Growth Rate
growth
Value: 18.20%
Peer Avg: 59.01%
#103 of 2596 Top 3.9% in <100M tier
231
Loan-to-Member Ratio (LMR)
engagement
Value: $9,783
Peer Avg: $5,488
#231 of 2596 Top 8.9% in <100M tier
355
Average Member Relationship (AMR)
engagement
Value: $22,152
Peer Avg: $14,627
#355 of 2596 Top 13.6% in <100M tier
462
Member Growth Rate
growth
Value: 1.90%
Peer Avg: 14.92%
#462 of 2596 Top 17.8% in <100M tier
465
Members Per Employee (MPE)
engagement
Value: 468.750
Peer Avg: 365.701
#465 of 2596 Top 17.9% in <100M tier
522
Total Delinquency Rate (60+ days)
risk
Value: 0.09%
Peer Avg: 1.51%
#522 of 2596 Top 20.1% in <100M tier

Top Weaknesses (4 metrics)

2517
Share Certificate Concentration (%)
balance_sheet
Value: 50.53%
Peer Avg: 15.37%
#2517 of 2596 Bottom 3.1% in <100M tier
2468
Net Worth Ratio
risk
Value: 8.10%
Peer Avg: 16.43%
#2468 of 2596 Bottom 5.0% in <100M tier
2349
Net Interest Margin (NIM)
profitability
Value: 2.63%
Peer Avg: 3.93%
#2349 of 2596 Bottom 9.6% in <100M tier
1993
First Mortgage Concentration (%)
balance_sheet
Value: 26.99%
Peer Avg: 14.49%
#1993 of 2596 Bottom 23.3% in <100M tier