BlastPoint's Credit Union Scorecard

SOMERVILLE SCHOOL EMPLOYEES

Charter #3475 · MA

<100M

2508 CUs in <100M nationally 66 in MA

SOMERVILLE SCHOOL EMPLOYEES has 1 strength 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

+ AMR Growth Rate: Top 2.3% in tier

Key Concerns

Areas that may need attention

- ROA 0.20% below tier average
- Efficiency ratio 11.23% above tier (higher cost structure)
- Member decline: -23.4% YoY
- Member Growth Rate: Bottom 1.5% in tier
- Fee Income Per Member: Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	1,381 -23.4% YoY+0.4% QoQ	-1.3K	2,676 +1.6% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	38%
Assets	$23.1M -5.3% YoY-0.1% QoQ	$-7.1M	$30.2M +1.3% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	52%
Loans	$8.4M -4.2% YoY-6.1% QoQ	$-6.9M	$15.3M -2.0% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	47%
Deposits	$19.2M -6.5% YoY-0.2% QoQ	$-6.6M	$25.8M +0.7% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	50%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -143.9% QoQ	-0.2%	0.1% -77.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	20%
NIM	2.7% +8.4% YoY-0.7% QoQ	-1.3%	4.0% +4.0% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 11.6% in tier
Efficiency Ratio	101.9% +2.4% YoY+6.3% QoQ	+11.2%	90.6% +6.5% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 14.1% in tier
Delinquency Rate	0.3% +212.9% YoY+76.1% QoQ	-1.2	1.5% +3.8% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	34%
Loan To Share	43.6% +2.4% YoY-6.0% QoQ	-14.9%	58.5% -3.0% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	27%
AMR	$19,964 +22.9% YoY-2.5% QoQ	+$5K	$14,884 -1.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	78%
CD Concentration	15.7% -5.2% YoY+0.0% QoQ	-8.5%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

AMR Growth Rate

growth

Value: 22.93%

Peer Median: 1.27%

#58 of 2508 Top 2.3% in <100M tier

481

Members Per Employee (MPE)

engagement

Value: 460.333

Peer Median: 333.750

#481 of 2508 Top 19.1% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

561

Average Member Relationship (AMR)

engagement

Value: $19,964

Peer Median: $13,926

#561 of 2508 Top 22.3% in <100M tier

Top Weaknesses (7 metrics)

2472

Member Growth Rate

growth

Value: -23.36%

Peer Median: -1.37%

#2472 of 2508 Bottom 1.5% in <100M tier

2315

Fee Income Per Member

profitability

Value: $0.86

Peer Median: $60.42

#2315 of 2508 Bottom 7.7% in <100M tier

2216

Net Interest Margin (NIM)

profitability

Value: 2.72%

Peer Median: 3.83%

#2216 of 2508 Bottom 11.7% in <100M tier

2185

Asset Growth Rate

growth

Value: -5.35%

Peer Median: 1.30%

#2185 of 2508 Bottom 12.9% in <100M tier

2179

Deposit Growth Rate

growth

Value: -6.47%

Peer Median: 0.66%

#2179 of 2508 Bottom 13.2% in <100M tier

2156

Efficiency Ratio

profitability

Value: 101.86%

Peer Median: 81.45%

#2156 of 2508 Bottom 14.1% in <100M tier

2007

Return on Assets (ROA)

profitability

Value: -0.05%

Peer Median: 0.61%

#2007 of 2508 Bottom 20.0% in <100M tier