BlastPoint's Credit Union Scorecard

CAMBRIDGE MUNICIPAL EMPLOYEES

Charter #3056 ยท MA

2596 CUs in <100M nationally 68 in MA

CAMBRIDGE MUNICIPAL EMPLOYEES demonstrates 8 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.76% above tier average
  • + Net Interest Margin 1.24% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Loan Growth Rate: Top 6.1% in tier
  • + Efficiency Ratio: Top 8.8% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 1,320
-0.8% YoY+0.9% QoQ
-1.3K 2,625
-2.2% YoY
27,447
+2.6% YoY
33,089
+6.1% YoY
37%
Assets $10.7M
-0.5% YoY-0.2% QoQ
$-19.2M $29.9M
+1.1% YoY
$440.2M
+4.2% YoY
$547.7M
+7.8% YoY
33%
Loans $3.2M
+14.9% YoY+4.6% QoQ
$-12.5M $15.8M
-2.4% YoY
$341.2M
+2.4% YoY
$388.7M
+8.6% YoY
25%
Deposits $8.3M
-1.8% YoY+0.6% QoQ
$-17.2M $25.5M
+0.4% YoY
$366.8M
+5.5% YoY
$464.6M
+9.3% YoY
33%

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Tier 1
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ROA 2.4%
-12.4% YoY-482.7% QoQ
+1.8% 0.7%
-731.4% YoY
0.7%
+17.3% YoY
0.7%
+273.4% YoY
Top 4.1% in tier
NIM 5.2%
+2.9% YoY+8.0% QoQ
+1.2% 3.9%
+3.8% YoY
3.3%
+3.8% YoY
3.7%
+5.0% YoY
Top 11.1% in tier
Efficiency Ratio 54.3%
+19.6% YoY-50.5% QoQ
-27.1% 81.4%
-2.4% YoY
80.4%
-4.7% YoY
79.1%
-3.3% YoY
Bottom 8.8% in tier
Delinquency Rate 0.0%
-75.9% YoY-4.4% QoQ
-1.5 1.5%
-2.0% YoY
0.9%
-6.0% YoY
1.2%
-0.9% YoY
Bottom 14.6% in tier
Loan To Share 39.1%
+16.9% YoY+4.0% QoQ
-22.1% 61.2%
-3.0% YoY
74.2%
-1.7% YoY
68.0%
-1.7% YoY
18%
AMR $8,733
+3.3% YoY+0.8% QoQ
$-6K $14,627
-2.7% YoY
$24,707
+3.7% YoY
$19,418
+1.3% YoY
23%
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
24.8%
+8.8% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
2.6%
-15.5% YoY
7.9%
-2.9% YoY
50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2596 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
106
Return on Assets (ROA)
profitability
Value: 2.44%
Peer Avg: -
#106 of 2596 Top 4.0% in <100M tier
159
Loan Growth Rate
growth
Value: 14.88%
Peer Avg: -
#159 of 2596 Top 6.1% in <100M tier
230
Efficiency Ratio
profitability
Value: 54.32%
Peer Avg: -
#230 of 2596 Top 8.8% in <100M tier
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: -
#246 of 2596 Top 9.4% in <100M tier
287
Net Interest Margin (NIM)
profitability
Value: 5.18%
Peer Avg: -
#287 of 2596 Top 11.0% in <100M tier
379
Total Delinquency Rate (60+ days)
risk
Value: 0.02%
Peer Avg: -
#379 of 2596 Top 14.6% in <100M tier
400
Net Worth Ratio
risk
Value: 22.51%
Peer Avg: -
#400 of 2596 Top 15.4% in <100M tier

Top Weaknesses (3 metrics)

2139
Loan-to-Member Ratio (LMR)
engagement
Value: $2,457
Peer Avg: -
#2139 of 2596 Bottom 17.6% in <100M tier
2127
Loan-to-Share Ratio
balance_sheet
Value: 39.14%
Peer Avg: -
#2127 of 2596 Bottom 18.1% in <100M tier
2008
Average Member Relationship (AMR)
engagement
Value: $8,733
Peer Avg: -
#2008 of 2596 Bottom 22.7% in <100M tier
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