ROCKLAND

Charter #24224 | MA

3B-5B (76 CUs) Mid-Market (380 CUs)
2 3B-5B in MA

ROCKLAND has 4 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 12.5% in tier
  • + Relationship Depth Leader: Top 24.9% in tier
  • + ROA 0.09% above tier average
  • + Members Per Employee (MPE): Top 1.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 5.5% in tier
  • - Liquidity Strain: Bottom 10.5% in tier
  • - Fee Income Per Member: Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 206,717
+0.3% YoY+1.2% QoQ
 -31.7K 238,465
+0.6% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 38th in tier
Assets $3.4B
+8.1% YoY+2.9% QoQ
 $-538.8M $4.0B
-0.1% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 Bottom 23.7% in tier
Loans $3.1B
+4.7% YoY-0.0% QoQ
 +$36.0M $3.0B
+3.3% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 53rd in tier
Deposits $3.0B
+7.6% YoY+2.4% QoQ
 $-357.1M $3.3B
+1.1% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 26th in tier
ROA 0.8%
+72.7% YoY+34.4% QoQ
 +0.1% 0.7%
+5.3% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 55th in tier
NIM 2.4%
+32.0% YoY+0.6% QoQ
 -0.8% 3.2%
+13.7% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 9.2% in tier
Efficiency Ratio 62.9%
-15.3% YoY-3.8% QoQ
 -8.4% 71.3%
-0.6% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Bottom 22.4% in tier
Delinquency Rate 0.4%
-31.1% YoY+46.2% QoQ
 -0.4 0.8%
+15.9% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 28th in tier
Loan To Share 102.7%
-2.6% YoY-2.3% QoQ
 +11.8% 90.8%
+2.0% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 17.1% in tier
AMR $29,175
+5.8% YoY-0.0% QoQ
 +$88 $29,088
+0.1% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 58th in tier
CD Concentration 39.6%
+4.6% YoY+4.1% QoQ
 +10.6% 29.0%
+0.8% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 Top 12.9% in tier
Indirect Auto % 27.9%
-8.2% YoY-6.8% QoQ
 +9.1% 18.8%
-2.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 72nd in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#91 of 264 • Top 12.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.83%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#181 of 264 • Top 24.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.83%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.9K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#35 of 202 • Bottom 5.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.12%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 27.90%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.27%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Strain

risk
#56 of 183 • Bottom 10.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 102.65%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 4.74%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

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 76 peers in tier

Top Strengths (5 metrics)

2
Members Per Employee (MPE)
engagement
Value: 883.406
Peer Avg: 433.941
#2 of 76 Top 1.3% in 3B-5B tier
13
Loan-to-Share Ratio
balance_sheet
Value: 102.65%
Peer Avg: 90.85%
#13 of 76 Top 15.8% in 3B-5B tier
16
Net Charge-Off Rate
risk
Value: 0.28%
Peer Avg: 0.64%
#16 of 76 Top 19.7% in 3B-5B tier
17
AMR Growth Rate
growth
Value: 5.83%
Peer Avg: 2.07%
#17 of 76 Top 21.1% in 3B-5B tier
18
Efficiency Ratio
profitability
Value: 62.90%
Peer Avg: 71.26%
#18 of 76 Top 22.4% in 3B-5B tier

Top Weaknesses (5 metrics)

73
Fee Income Per Member
profitability
Value: $72.80
Peer Avg: $191.96
#73 of 76 Bottom 5.3% in 3B-5B tier
69
Net Interest Margin (NIM)
profitability
Value: 2.36%
Peer Avg: 3.20%
#69 of 76 Bottom 10.5% in 3B-5B tier
66
Member Growth Rate
growth
Value: 0.27%
Peer Avg: 7.02%
#66 of 76 Bottom 14.5% in 3B-5B tier
61
Share Certificate Concentration (%)
balance_sheet
Value: 39.57%
Peer Avg: 30.70%
#61 of 76 Bottom 21.1% in 3B-5B tier
58
Total Assets
balance_sheet
Value: $3.43B
Peer Avg: $3.97B
#58 of 76 Bottom 25.0% in 3B-5B tier