BlastPoint's Credit Union Scorecard
MASSMUTUAL
Charter #24566 · MA
MASSMUTUAL has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Average Member Relationship (AMR): Top 7.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.78% below tier average
- - Efficiency ratio 7.72% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
- Shares and deposits +6.0% year over year ($302M in shares and deposits).
- Membership: 13,633 members, +1.1% vs a year ago.
- Delinquency rate 0.47%.
- Return on assets 0.09%.
- Efficiency ratio 84.45% vs a 76.73% peer average.
- Loan-to-share ratio 74.03% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,633
+1.1% YoY+0.4% QoQ
|
-1.5K |
15,168
-2.6% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$344.5M
+6.1% YoY-1.6% QoQ
|
+$112.5M |
$232.0M
+0.7% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$223.4M
+10.5% YoY+2.9% QoQ
|
+$77.1M |
$146.3M
+0.2% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
81% |
| Deposits |
$301.7M
+6.0% YoY-1.8% QoQ
|
+$101.0M |
$200.7M
+0.2% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
82% |
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| ROA |
0.1%
-42.0% YoY+32.9% QoQ
|
-0.8% |
0.9%
+12.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.0% in tier |
| NIM |
2.3%
+2.9% YoY+3.7% QoQ
|
-1.3% |
3.7%
+4.5% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio |
84.5%
+2.9% YoY-3.0% QoQ
|
+7.7% |
76.7%
-0.8% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
0.5%
-66.2% YoY-38.0% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
74.0%
+4.2% YoY+4.8% QoQ
|
+2.5% |
71.5%
-0.3% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$38,516
+6.8% YoY-0.2% QoQ
|
+$13K |
$25,107
+3.2% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 7.1% in tier |
| CD Concentration |
32.8%
+16.4% YoY+5.4% QoQ
|
+8.3% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % |
5.9%
+31.2% QoQ
|
-7.8% | 13.6% | 2.4% | 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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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.
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)