BlastPoint's Credit Union Scorecard
MILLBURY
Charter #24543 · MA
MILLBURY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 1.0% in tier
- + Total Loans: Top 1.8% in tier
- + Total Assets: Top 2.6% in tier
- + Total Members: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.37% below tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,097
-2.3% YoY-0.8% QoQ
|
+14.7K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Top 6.9% in tier |
| Assets |
$475.0M
-2.9% YoY+0.4% QoQ
|
+$243.1M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Top 2.7% in tier |
| Loans |
$351.7M
-2.3% YoY+0.1% QoQ
|
+$204.4M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Top 1.9% in tier |
| Deposits |
$426.3M
-3.4% YoY+0.2% QoQ
|
+$225.5M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 1.1% in tier |
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| ROA |
0.4%
-5.4% YoY+2.3% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
2.9%
+10.5% YoY+1.3% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
86.6%
+2.4% YoY-0.1% QoQ
|
+9.6% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.4%
-18.6% YoY-13.8% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
82.5%
+1.1% YoY-0.0% QoQ
|
+10.3% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$25,849
-0.7% YoY+1.0% QoQ
|
+$1K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
30.8%
-4.2% YoY-1.0% QoQ
|
+6.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % |
23.5%
-10.4% YoY-2.2% QoQ
|
+9.7% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)