BlastPoint's Credit Union Scorecard
MASSMUTUAL
Charter #24566 · MA
MASSMUTUAL has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 76.8% in tier
- + Organic Growth Leader: Top 97.4% in tier
- + Organic Growth Engine: Top 98.5% in tier
- + Average Member Relationship (AMR): Top 8.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 36.5% in tier
- - ROA 0.61% below tier average
- - Efficiency ratio 7.64% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - Net Interest Margin (NIM): Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,504
+0.6% YoY-0.2% QoQ
|
-1.9K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$324.1M
+3.5% YoY-0.8% QoQ
|
+$92.3M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$208.8M
+4.0% YoY+3.8% QoQ
|
+$61.4M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$281.8M
+3.3% YoY-1.2% QoQ
|
+$81.0M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.2%
-240.9% YoY+90.5% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.1% in tier |
| NIM |
2.4%
+14.5% YoY+1.9% QoQ
|
-1.2% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
84.7%
-17.1% YoY-2.6% QoQ
|
+7.6% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
1.2%
-3.3% YoY-6.3% QoQ
|
+0.4 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
74.1%
+0.7% YoY+5.1% QoQ
|
+1.9% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$36,325
+3.0% YoY+1.1% QoQ
|
+$12K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 8.0% in tier |
| CD Concentration |
31.0%
+4.0% YoY+1.5% QoQ
|
+6.6% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 1.3% | -12.5% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (3)
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 (<20%). 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)