BlastPoint's Credit Union Scorecard

SOMERSET

Charter #24239 · MA

1069 CUs in 100M-500M nationally 32 in MA

SOMERSET has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 42.1% in tier
+ Relationship Depth Leader: Top 43.5% in tier
+ Organic Growth Engine: Top 55.7% in tier
+ Wallet Share Momentum: Top 86.7% in tier
+ Net Charge-Off Rate: Top 2.7% in tier
+ Total Delinquency Rate (60+ days): Top 8.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 72.4% in tier
- ROA 0.12% below tier average
- Efficiency ratio 3.68% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 4.8% in tier
- Net Interest Margin (NIM): Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	11,649 +3.0% YoY+0.5% QoQ	-3.8K	15,437 -2.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	40%
Assets	$259.0M +9.3% YoY+3.8% QoQ	+$27.1M	$231.9M +1.3% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	66%
Loans	$170.0M +12.1% YoY+2.5% QoQ	+$22.6M	$147.3M -0.1% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	67%
Deposits	$224.1M +6.6% YoY+4.0% QoQ	+$23.3M	$200.8M +0.8% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	64%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +13.4% YoY-0.3% QoQ	-0.1%	0.8% +18.2% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	41%
NIM	2.6% -0.4% YoY-0.6% QoQ	-1.0%	3.6% +6.7% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	Bottom 7.8% in tier
Efficiency Ratio	80.7% -1.6% YoY-0.0% QoQ	+3.7%	77.0% -3.1% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	62%
Delinquency Rate	0.2% -64.1% YoY+79.0% QoQ	-0.7	0.9% +4.2% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	Bottom 8.1% in tier
Loan To Share	75.9% +5.1% YoY-1.5% QoQ	+3.6%	72.2% -1.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	53%
AMR	$33,828 +5.7% YoY+2.8% QoQ	+$9K	$24,676 +3.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	Top 10.9% in tier
CD Concentration	29.0% -1.9% YoY+4.1% QoQ	+4.6%	24.4%	25.0%	19.8%	50%
Indirect Auto %	0.3% -49.6% YoY-15.6% QoQ	-13.5%	13.8%	2.4%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#180 of 426 • Top 42.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.04%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.30%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Relationship Depth Leader

growth

#117 of 268 • Top 43.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.68%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.0K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Organic Growth Engine

growth

#332 of 595 • Top 55.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.04%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.64%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.30%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Wallet Share Momentum

growth

#445 of 513 • Top 86.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.68%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (1)

Efficiency Drag

risk

#390 of 538 • Bottom 72.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.70%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.08% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 3.04%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: -

#30 of 1069 Top 2.7% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Median: -

#88 of 1069 Top 8.1% in 100M-500M tier

116

Average Member Relationship (AMR)

engagement

Value: $33,828

Peer Median: -

#116 of 1069 Top 10.8% in 100M-500M tier

124

Loan Growth Rate

growth

Value: 12.06%

Peer Median: -

#124 of 1069 Top 11.5% in 100M-500M tier

127

Loan-to-Member Ratio (LMR)

engagement

Value: $14,592

Peer Median: -

#127 of 1069 Top 11.8% in 100M-500M tier

171

Asset Growth Rate

growth

Value: 9.35%

Peer Median: -

#171 of 1069 Top 15.9% in 100M-500M tier

212

Member Growth Rate

growth

Value: 3.04%

Peer Median: -

#212 of 1069 Top 19.7% in 100M-500M tier

Top Weaknesses (2 metrics)

1019

First Mortgage Concentration (%)

balance_sheet

Value: 62.60%

Peer Median: -

#1019 of 1069 Bottom 4.8% in 100M-500M tier

986

Net Interest Margin (NIM)

profitability

Value: 2.64%

Peer Median: -

#986 of 1069 Bottom 7.9% in 100M-500M tier