BlastPoint's Credit Union Scorecard
SOMERSET
Charter #24239 · MA
SOMERSET has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Charge-Off Rate: Top 4.4% in tier
- + Total Delinquency Rate (60+ days): Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 2.06% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 4.9% in tier
- - Net Interest Margin (NIM): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,688
+2.8% YoY+0.3% QoQ
|
-3.5K |
15,145
-2.5% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$261.9M
+8.1% YoY+1.1% QoQ
|
+$30.2M |
$231.7M
+0.8% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
66% |
| Loans |
$170.8M
+10.3% YoY+0.5% QoQ
|
+$26.6M |
$144.1M
+0.2% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
69% |
| Deposits |
$231.7M
+8.0% YoY+3.4% QoQ
|
+$30.6M |
$201.1M
+0.4% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
66% |
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| ROA |
0.7%
+52.8% YoY+3.2% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
2.7%
+6.4% YoY+3.1% QoQ
|
-0.9% |
3.6%
+4.6% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.4% in tier |
| Efficiency Ratio |
80.1%
-8.0% YoY-0.8% QoQ
|
+2.1% |
78.0%
-1.7% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate |
0.1%
-57.0% YoY-55.5% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
Top 4.5% in tier |
| Loan To Share |
73.7%
+2.1% YoY-2.8% QoQ
|
+3.3% |
70.4%
-0.4% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$34,436
+6.1% YoY+1.8% QoQ
|
+$10K |
$24,918
+2.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Top 11.1% in tier |
| CD Concentration |
31.2%
+12.4% YoY+7.6% QoQ
|
+6.9% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % |
0.2%
-52.4% YoY-19.5% QoQ
|
-13.6% | 13.8% | 2.3% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)